23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened an account with Citibank because i thought they will be a better bank, but now they are starting with the stupidness. I called in regards to a check that i wrote for {$740.00} and A few weeks ago I saw that the check was presented as paid in my account, And today I receive a call from the person i wrote the check to and they advised me that there bank told them that there was a freeze on my account and the check was not paid, i go into my account and now all of a sudden the check is not showing no where in my account. I then called the bank and spoke to XXXX @ Citibank and she said that my check was not paid because there was insufficient funds in my account and the check was presented on XXXX/XXXX/2017. I told her that was not true because I had over {$9000.00} in my account she then tells me to hold and she kept me on hold for a few minutes and then comes back and tells me that she was sorry for the information my checks was blocked because they needed to be activated i NEVER received a letter stating that the check was not paid nor my account was blocked she then said that she was sorry and if i activate the checks they can represent the check and it would go threw. I said as of today I have {$170.00} in my account and the check will bounce she said that she understand and she is sorry. I had check this amount off because it showed presented so this should be on Citibank not on me and they have put me in a bad situation..
Product: Mortgage

On XX/XX/2019 I submitted an inquiry to Veterans United Home Loans to get an idea of closing costs and current interest rates. A XXXX XXXX called me to talk about our options in regards to a VA IRRRL. I stated that I just wanted a quote on current rates and to know what their fees were. XXXX  stated Veterans United does not charge any loan fees other than prepaid items and if points are needed. He stated that he could send me a loan estimate without a hard credit inquiry, that they call it a "mortgage inquiry." I asked several times after this if this would effect my credit score and re-stated that I did not want to do a full credit pull. He reassured me and said he just needed a "mortgage inquiry" to send us an estimate of fees. About an hour later I received mortgage prequalifcation email from Veterans United   asking for documentation for a loan application that was being processed. I then received an email from XXXX XXXX saying there was a new hard inquiry on our credit report. XXXX XXXX, NMLS ID #XXXX, fraudulently filed a mortgage application and ran a hard credit inquiry without permission. This is mortgage fraud!
Product: Credit reporting

on XXXX XXXX, 2016 i filed a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of California as well as the XXXX Office they BOTH report that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the records reporting. Upon contacting Equifax and requesting that they mail a description of their procedures, indicating the exact name and contact information, for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The XXXX tax liens and XXXX judgement should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.
Product: Credit card or prepaid card

In XX/XX/2019, I applied a XXXX XXXX Credit card, and this credit card had welcome bonus offer which spending {$1000.00} within 3 months, and earn XXXX XXXX XXXX  points. There was no any pop up box to informed me that I may not eligible for the welcome bonus. Therefore, I was continued to submit my application. In XX/XX/2019, I meet the spending requirement which spent over {$1000.00}. However, I haven't received my welcome bonus points of XXXX Honors points after the statement period. I called the American express customer service department, and try to figure out the reason. They opened a case for me on XX/XX/2019. The case number is XXXX. However, I called them today XX/XX/2019 to check my case status. The American Express responded me that the case has been closed, and they could not give me the specific reasons for declining my welcome bonus offer. Based on my history in American express, the XXXX XXXX credit card is my first personal credit card, i never had this credit card before. Also, When i submitted my application online, the american express website did not pop out the notification to inform me that i may not eligible for the welcome bonus offer. It is unacceptable that the american express declined my welcome bonus offer after i meet the spending requirement, and did not inform me when i submitted my application. The American express do not behave or act in a honest way to his customers.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. 

I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. 

Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. 

I have made multiple attempts dating back to XXXX of XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. 

However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  and list of Inquiries. 

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 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 XXXX years. 

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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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 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 reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Money transfer, virtual currency, or money service

A friend on XXXX, XXXX XXXX, was hacked. They were rehoming their dog and asked for a fee, which isn't uncommon. We had XXXX XXXX where " he '' showed us the puppies. The connection was bad and the video dropped. He texted that his connection was bad and that we can send {$100.00} through Zelle. We agreed and used Zelle through XXXX XXXX XXXX XXXX. The name on the Zelle was XXXX XXXX and was given the email address XXXX and was paid {$100.00} on XX/XX/2022 at XXXX. The person had given us XXXX 's address and was okay for us to meet there. When he arrived XXXX was completely unaware of what happened. The inside of his house did not look like the house in the photos or video chat. It was then we knew that someone hacked his account and pretended to be him. I have called XXXX XXXX but could not help me at all. I have sent the report to Zelle as well in regards to this. Had I understood fully that Zelle XXXX in this aspecr, I would have never used it as I am unable to recover my money, despite the proof that I have be scammed under the guise of someone pretending to be someone we knew. They have since blocked my husband and I on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Transunion are reporting my credit card utilization which the law say it is illegal to report transaction history 15 U.S.C 1681a ( 2 ) Exclusions. I did not give them any written consent verbal or nonverbal authorization to add anything to my consumer report which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat.146 ) I also have accounts on my credit report that are " Charge Off 's '' & is considered a Certificate Of Indebtedness which means its income & can not be reported to my credit report & needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Charge Offs which need 's to be removed. XXXX XXXX TransUnion have inquiries I need removed from my report that I do not have open accounts 15 USC 1681b Permissible Purposes Of Consumer Report. I also need all late payments to be updated to paid on time 15 USC 1966b Timing Of Payments. I also need all credit bureau 's to assure maximum accuracy of information on my report15 USC 1681e ( b ) Compliance Procedures Accuracy of report because the information do not match not even my credit score everything needs to match which is violating section 1681b Permissible Purposes & 1681c Requirments Relating To Information Contained In Consumer Reports also 15 USC 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years which they have five records that are more than seven years old on my report that needs to be removed & these accounts is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s -2 ( A ) ( 1 ). they also violating the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX, Transunion and XXXX to correct the disputed items
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately.

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill ( to verify my address ). 
XXXX. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

we are a XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/21 a customer sent {$7200.00} through paypal to pay his bill. the customer was very satisfied with no problems. paypal had then decided to flag this transaction due to its high value asking us to provide business documentation ( tax id #, and address verication ). upon receiving these documents they then asked for the owners ssn and passport #. we asked why and their response was " its part of our verification process ''. we then asked " what does the owners personal information have to do with the business info? '' there response was : " its part of our verification process ''. everytime we called they gave us a different date as to when they were releasing the money. at first they held the money for 5 days, then it was a week, then it was 10 days, then 21 days, then 30 days, after at which time they eventually decided to permanently freeze our account. 
unfortuneatly there was still a balance of {$7000.00} ( minus paypal fees ) that was still left in the account. we were then told that paypal may hold the funds up to 180 days, at which time they would email us with information on how to access any remaining funds. they have and continue to say that the money is released but we have no access to it. they act like a bank - take fees- and then confiscate my balance. 
we are contacting you to hopefully get the funds released before then. for a small business this money is a months income for me, I cant even pay my sales tax. 
We've heard from customers that paypal has held there money for 6 months and after 6 months they informed the customer that they were holding the money for another 6 months with no reason given. how could a company hold someones money for 6 months without any justification? In my opinion this is a fraudulent business tactic and should be addressed by the authorities immediately. 

thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 accounts 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from equifax XXXX  on my credit file.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiries were not authorized and should not be reporting.
Product: Debt collection

I am filing this complaint because XXXX  XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting or other personal consumer reports

Im informing you that I have been a victim of fraudulent activity. In my research on removing fraudulent items, I found that I need to visit the Federal Trade Commission ( https : //www.ftc.gov ) to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are required to remove items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries from my report. The following items were opened without my permission : Experian : 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. As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged identity theft within 4 business days of receiving the notice.