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

I have closed my Citi PremierSM Mastercard account on XX/XX/XXXX. I had XXXX worth of {$170.00} thank you points when I closed the account. I was told I can redeem these points for 60 days after the account was closed. I got the below email from Citi. 
When I tried accessing XXXX, I dont see any points and not able redeem. I called Citi customer service over the phone at XXXX on XX/XX/XXXX & after pressing so many options and waiting for minutes, Customer service rep is not talking properly and they are abusing. This has been happening for past last 2 months. Whenever I called this customer service, their audio line is horrible and I dont hear anything from them. Since Covid-19 started, they are providing very worst customer service with poor audio resources. Now I am not able redeem my points that I earned. This is complete cheating from Citi. 

Hi,. As you requested, we've closed your Citi PremierSM Mastercard account. 

Please be aware that if your account has an outstanding balance, we'll continue to send monthly billing statements until your balance is paid in full. If your account has a credit balance, then we'll send a refund to you within 90 days. 
Any ThankYou Points you've earned through the date your account was closed will be transferred to your ThankYou member account. Points available for redemption can be redeemed for 60 days after the date your account was closed. To redeem your points or check your ThankYou Points balance, go to XXXX or call us at XXXX XXXX XXXX XXXX XXXX TTY/TDD : XXXX ).
Product: Student loan

I set up auto payments on my student loans a month ago for when the forbearance ended. EdFinancial confirmed that my card information was correct and that my auto pay was set up correctly. The due date came, and they took payment on XX/XX/, but then cancelled it without notice at all. Now my loan says Im past my due date when I did everything I was supposed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

GLA Collections {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX ( Total of 15 GLA collections paid off from my bankruptcy, that has not been pulled from  my report that is all settled and paid through bankruptcy ) XXXX XXXX   {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX Bankruptcy public record still on my report ( Chapter XXXX, Filed XX/XX/XXXX, Discharged XX/XX/XXXX. ) ( still not dropped from report ) All of these items have been reported through the credit monitoring, but are not being removed, and it has been over a month to a month and a half and no changes have been made, and I was referred to your company from my bankruptcy lawyers company that you all would be able to take of these issues. Thank you for your time.
Product: Money transfer, virtual currency, or money service

i am writing this 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 CBPB '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 transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Lexington Home Loans was supposed to pay our prior loans off and pay our property taxes that are currently due. The PACE loan was not paid off fully and the property taxes were not paid so my husband and I had to pay them out of pocket. No one will help me there. The person we talked with is is XXXX XXXX. I advised him we would be filing a complaint. I believe our next property bill due in XXXX we will also have to pay as the energy loan they told us was paid off is not and is part of the property tax and I do not believe they have accounted for this amount to be part of the escrow. I am not happy and feel like they have ripped me off. I would like for them to pay back what we had to pay for our property tax and fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion onXX/XX/2019 and all other credit reporting agencies and they could not verify this was my account. Transunion is reporting on my credit file under " XXXX XXXX XXXX ''. That account is still there and it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

XXXX- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

NCB - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

XXXX  XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 claimed 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 customers but has also allowed a repeat of offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Credit card

XXXX XXXX Account # XXXX On XX/XX/XXXX, I purchased a money order in the amount of {$270.00} and mailed it at the local post office for a bill payment due on XX/XX/XXXX. I have been informed that that payment was not received. XXXX XXXX has verified that the money order has not been cashed which indicates that it was lost by FNBO considering I have not received any returned mail to sender. Upon contacting XXXX XXXX, it seems that the only option available is to request a refund which requires a {$15.00} non-refundable fee and can take 30 days for processing. As a senior with a XXXX on a fixed income, the lost money order has posed a significant financial hardship on me at this time. Not only is FNBO requiring both XXXX and XXXX payments at once, there has also been a late fee imposed on the account. These payments and fees totals to nearly {$600.00} which I can not afford given my circumstances. If I do not make the payment, I am at risk of a negative reporting to my credit profile despite having mailed my payment in ahead of the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Remove late payments
Product: Credit reporting

I disputed these inquiries because I did not authorize them. I had them investigated by XXXX and equifax responded by saying they were factual. I would like to know how they found out that these were factual and how their investigation was completed.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Demand for Deletion and Suppression of Fraudulent Information Due to Identity Theft To Whom It May Concern, I am writing to demand the immediate deletion and suppression of fraudulent information currently present in my credit file. As a victim of identity theft, I did not authorize or make the charges associated with the items listed in the enclosed report. This false information is damaging my credit report, and I require that it be corrected without delay. 

I reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the FTCs Identity Theft Affidavit as supporting evidence. Despite this, it has been over 30 days, and your agency is now in VIOLATION of federal law for failing to take the necessary action to correct my credit file. 

As per 15 U.S. Code 1681c2, a consumer reporting agency must block the reporting of any fraudulent information in the file of a consumer, identified as resulting from identity theft, no later than four days after receiving notice. This legal requirement has been ignored, and I demand that the fraudulent items be deleted and suppressed immediately. 

Your agency 's failure to comply with this statute and take swift corrective action is unacceptable. I expect full compliance with federal law and that my credit report be accurately updated within the next few days. If you continue to ignore this request, I will not hesitate to seek legal recourse to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I anticipate a prompt response and resolution of this matter. Please confirm in writing once the requested deletions and suppressions have been completed.
Product: Credit reporting or other personal consumer reports

I have requested verification under oath of the following : the name and address of the original creditor & the profit net loss statement from XXXX XXXX XXXX XXXX XXXX XXXX regarding acct # XXXX appearing on my Experian report # XXXX. Both have been requested to be verified under oath and I have yet to receive them. I am disputing this alleged account with XXXX XXXX XXXX XXXX, former CEO XXXX XXXX, Chief of Staff XXXX XXXX, & Experian. I also did not give consent to XXXX XXXX XXXX XXXX XXXX XXXX performing an inquiry on my consumer report on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX XXXX has already been found guilty of false, misleading and deceptive practice and fined XXXX XXXX by the CFPB for similar practices so this is willful non-compliance. I am invoking my specified remedy as the original creditor and demand for XXXX XXXX XXXX XXXX XXXX XXXX. to immediately cease all communication with all third parties such as Experian, XXXX, XXXX, and any and all other affiliates and non-affiliates. Experian has a grave responsibility to ensure accuracy of all credit reporting.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX Balance Owed : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX XXXX XXXX XXXX , has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I am going through XXXX XXXX I have consolidated and personal finance is one of my creditors that we have consolidated and XXXX from personal finance keeps calling me at work threating me that he do n't work with this company and they are going to garnish my wages. I am dealing with a guy named XXXX and he told me that yes they do work with personal finance. How do I get personal finance to stop calling me at work? The number for personal finance is XXXX. This bill was getting paid until I consolidated it. Please help me .. Thanks again XXXX XXXX my number is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I never opened up an account with XXXX  XXXX XXXX  .. On XX/XX/year> I never opened up an account with XXXX Bank These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud
Product: Debt collection

To my complete surprise, I was recently contacted concerning a charged off credit card debt, purportedly opened by myself of which I have absolutely no knowledge, by a debt buyer Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. When I adamantly advised the collection agent of the fact that I had no knowledge of this debt whatsoever, she began to imply, although she did not directly say it, that I either I was lying to her or that I had knowledge of some kind concerning this debt. She did so in a way that I considered to be judgmental and demeaning to my character. Additionally, throughout the entire conversation, she spoke to me in a menacing and condescending tone, berating me with a litany of veiled threats and scare tactics. I am personally no expert on the fair debt collection practices act ; I do however feel harassed and slandered. Furthermore, although your drop down menu only allows me XXXX option to summarize my complaint, I also feel that they are guilty of false or misleading written statements because on the bottom of their letter there is a disclaimer or advisory that says to begin with " This account may still be reported on your credit report as unpaid. '' It continues with, " We will not report your debt to the credit bureaus if you set up a payment plan, make a payment by XX/XX/2015 and make all payments as agreed. '' However, I know for a fact that as of XXXX XXXX, 2015, there were no charged off trades " still reported on my credit report as unpaid '' ; yet, as of XXXX XXXX, 2015, after having the letter from MCM Inc. on XXXX XXXX, 2015, a credit check revealed the charged off trade. This leaves me with no other conclusion than that MCM Inc. reported this to my bureau, and therefore, misrepresented themselves in their letter as described above.
Product: Credit card or prepaid card

In XX/XX/XXXX, I worked for XXXX XXXX : XXXX as a ( XXXX XXXX XXXX ) My job was to XXXX XXXX from XXXX  and XXXX  them XXXX XXXX XXXX. My purchases with XXXX FOR {$3600.00} was cleared with Citibank account # XXXX for payment in XXXX but, XX/XX/XXXX the company account came back Fraudulent in I got the bill. Same happened with my XXXX XXXX Credit Card for {$940.00}, XXXX Credit Card for XXXX. Everything went fraudulent after being cleared for payment in XX/XX/XXXX. Basically XXXX was fraudulent and I stopped working for them in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct e reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights a consumer.
Product: Debt collection

XXXX XXXX, XXXX amount of {$7700.00}. I have sent XXXX XXXX, XXXX a debt validation they did not respond. XXXX XXXX, XXXX then took me to court and then voluntary dismissed the case. XXXX XXXX, XXXX is also reporting on my credit reports with XXXX, XXXX  and XXXX.
Product: Debt collection

On XX/XX/2022, Credit Systems Inc. IN reported a collections account to XXXX. This account was a XXXX XXXX utility bill from Texas. I have never opened accounts or lived in Texas. Not this account is posted as being a collection account, destroying my credit. I have contacted XXXX and XXXX XXXX, reporting my stolen identity/social security #. 

XXXX XXXX XXXX XXXX {$540.00} Acct. : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX Texas XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 and Birchwood credit service. 

I have called and sent email them but nobody answers,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNT THAT SAY CHARGE OFF AND ACCOUNT THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX Inaccurate Account Information In my Credit File Fed Loan Servicing - Account Number : XXXX XXXX shows my account in good standing Payment status : Pays as agreed Last Updated : XX/XX/2022 XXXX shows XXXX late XXXX shows my account in good standing Payment Status : Pays as Agreed Last Updated : XX/XX/2022 Shows XXXX Late Experian shows my account delinquent at XXXX days late Payment Status Inaccurate Last Updated : XX/XX/2022 no change to the inaccuracy never XXXX  days late Experian shows account as XXXX days past due -- -- > Status Inaccurate must be removed
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. 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 Balance : {$11000.00}
Product: Debt collection

I have multiple accounts showing up from XXXX XXXX XXXX XXXX. I have disputed them and had them removed from my reports in the past but they have been transferred to another lender and reported again. They are not my accounts. I do not owe them money. They will not remove these fraudulent accounts from my report. I have disputed with the credit bureaus and the company itself. It is really making me angry. They have been calling my phone and harassing me about accounts that are not even mine. I can not take this anymore. This is ridiculous.
Product: Credit reporting or other personal consumer reports

Due to previously compromised personal information and identity theft. I have noticed a few unauthorized inquiries on my credit report that need to be removed. Ive tried to call customer as well as CRA without success. These inquiries are showing up on both TransUnion, and XXXX. 

These inquiries are as follows. 

XXXX ) XXXXXXXX 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