23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Furthermore I need All Inquiries, Collections, Closed Accounts, Charge Offs and/Or any Negative Marks taken off my Report.
Product: Checking or savings account

I deposit a check from the department of treasury, it was my tax refund and I dont normally get checks that amount BUT I had gone in with the check, and they confirmed it was authentic, then I left to go home with my deposit slip and they closed my bank before I got home, they didnt cancel the payment and give me back my check, and they have not sent my money. So they took almost XXXX from me and refuse to give me any sort of answers of resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX individual charges for the same thing XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have notification back from the XXXX XXXX Bankruptcy Court of Ohio, that states they do not provide personal information to third parties. Under the Privacy Act of 1974 and the opt out law, I request that the bankruptcy listed on my credit report please be removed. I am opting out of any authorization that they believe that they have, make note that no further authorization is permitted by me. I would like this bankruptcy to be removed from my credit report according to the law within four days.
Product: Credit reporting or other personal consumer reports

Theres a hard inquiry on my credit report from US BANK and that has nothing to do with me I never had anything to do with US BANK
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX
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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers, but 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: Credit reporting or other personal consumer reports

XXXX XXXX wrote off a charged off account but has been reporting it as past due and late payments on the closed account. I'm also paying the collection agency XXXX a month. But they are still reporting late payments since 2023. After they told me call the lawyer and the lawyer said they don't represent XXXX XXXX  they are Still reporting late payments on closed charged off account. Was it reported to the irs as charged off. Did it reduce tax? They need to fix it and refuse. Then they said profit and loss charge off.
Product: Checking or savings account

Opened an online checking/savings account on XX/XX/XXXX with Citi bank for the promotion of {$400.00} if I maintain a combined balance of {$10000.00} for a three month period, AND an additional 30 days for the promotion to be transferred. I called back in XX/XX/XXXX to inquire when my promotion would be awarded and citibank told me it would be in by end of XX/XX/XXXX. 

I called back on XX/XX/XXXX and asked why I wasn't seeing a promotional balance when it has already been five months since I opened the account and maintained the balance. Citi bank opened a ticket/dispute, and said they would contact me within five days with a resolution. Five days passed and I called again and they said the ticket has no updates and that I should call again the next day if I don't hear back within the day. So I called again the next day and this time the representative told me I would need to wait three more days as that is the expected end time for the ticket to be resolved, which is different from what the other representative old me ( five days ). I asked if I could take out the funds because I needed it for emergency family use, but they said if I take out the funds before the promotional balance is given to me, I may be disqualified for the promotion. At this point, my {$10000.00} has been in Citi bank for more than 6 months and I am losing money by not being able to pull it out.

I searched online because I knew this was unfair business practices to see if other people had the same problem as me, not being able to claim their promotion. I found that this is a common practice, citibank puts in fine print about not being about to pull out funds until the promotional balance is given, but they don't give the promotion in the advertised timeframe of thirty days. 

I don't understand why they needed to create a ticket for my promotional balance when it should have been given to me in the first place. Because I made a mistake by keeping my promotional balance in my savings not checkings, I lost out on the promotional deal the first time back in XXXX, so this time I made sure I met all of the requirements and confirmed with the support team TWICE. 

I believe that Citi Bank is intentionally not providing promotional balances until customers call multiple times to get the money because Citi Bank is trying to take advantage of the money they have for the additional thirty+ days and capitalizing it while holding customers hostage to keeping their funds in their Citi account because we can not pull it out until the promotion is given. 

This is unfair practice and I believe they should be sued for this type of reoccurring practice.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Crypto.com sent me an email stating that they were closing my account within the next 30 days ( attaching for reference ). I was told I had 30 days to get all of my funds out of Crypto.com. I was able drain the balance on the debit card ; however, I ran into issues with the XXXX balance I had of XXXX. 

I attempted to sell my balance of XXXX XXXX  on XX/XX/XXXX ( attaching for reference ). I tried 4 times and each time the sell failed. I contacted support and asked them and they told me that my ability to sell had been XXXX and that I needed to transfer out to an external wallet ( attaching chat for reference ). The only other place where I have Crypto is XXXX so I checked XXXX  and see that they are able to receive XXXX so I copied the wallet address and used this address to send the XXXX  to. Keep in mind, that I had absolutely no desire to transfer the XXXX All I wanted to do was sell my position since I was being closed by Crypto.com. I put in the transfer on XX/XX/XXXX. 

On XXXX as it had been 2 days and I hadn't seen my funds I contacted crypto.com. They told me it had been delivered. I contacted XXXX  and they said they hadn't received it yet. XXXX then informed me the method that crypto.com used to send was invalid that they don't have the infrastructure in place to receive those funds so I would need to contact Crypto.com ( XXXX ) to recover. I contacted Crypto.com on XXXX and XXXX, escalated multiple support chats to management and they told me they can't provide any assistance.
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 CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which CBNA is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received a response from them and they did not update the credit report as disputed. 

CBNA is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Debt collection

XXXX XXXX XXXX XX/XX/2016 {$1000.00} This account is an result of identity theft. I don't have any kownledge of this company
Product: Vehicle loan or lease

So the loan is through WESTLAKE SERVICE INC And the car was signed with a co signer I thought originally I was co signer but I had thought when I signed paperwork I was the co and not the main signer so I had the co signer keep car because we split up so when the co-signer could not pay car and got repossessed I found out it was my car and I got stuck with all the debt the balance on my credit is for {$13000.00} the date open was XX/XX/year> till current
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes This Not Me So, You Need Verify the Your Incorrect Information .Please Contact me thur CFPB, I Will Attach Incorrect Information letter from XXXX XXXX XXXX and I have enclosed a copy of my driver 's license and utility bill as proof of identity.
Product: Credit reporting

I submitted notarized letters on XX/XX/2016 and on XX/XX/2016 in regards to US bankruptcy XXXX. As of XX/XX/2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.
Product: Credit reporting or other personal consumer reports

FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries XXXX
Product: Checking or savings account

My father  is over XXXX years old. He has a joint checking account at Citibank with my mother. My mother was not able to get on the phone. My father asked me to check his account statement online on XX/XX/2019, but I could not access his account. I called XXXX to try to resolve this problem and get access to his account. They spoke to my father directly. My father answered all their questions accurately, but they refused to grant him access to the account.

We spent over 50 minutes and spoke to several account representatives, and alleged " managers '' who could not resolve the problem. On the last failed attempt, the only two questions they asked my father were ( 1 ) his account number, and ( 2 ) the last four digits of his social security number, both of which my father answered correctly. I verified them myself. Yet he was told by the representative that the answers were wrong and they refused to give him access to his own account information. When I asked the representative to simply repeat what she had heard my father say, so that I may verify whether or not she heard it right, she refused and told us that it was against company policy to simply verify that they heard my father correctly. Her name is XXXX. Her subordinate 's name is XXXX. Their team ID No. is XXXX. I was told that the representatives were operating from XXXX XXXX, XXXX, but they could not divulge the name of the person responsible for the call center at which they work. They gave me only an address where I could mail my complaint. Citibank Retail Bank Executive Response Unit, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, but they did not give the name of any person in charge. 

When I asked to speak to the head of the department, I was told they could not escalate the problem any further. I was not given an email address or a fax number where I could send a power of attorney, which my father had signed authorizing me to access his account so that I may manage his finances, and pay all his bills in a timely fashion. I was told that they would mail me a POA form. I gave them my address but when I asked them to verify what they had heard me say, so I could be sure they heard me correctly, she insisted that she could not verify the address that I gave her, to which they should mail the POA. So, now, I have no idea whether they have the right address, and it will be weeks before I or my father can access his own account online. 

It is sickening to realize that Citibank has outsourced the job of managing US accounts to people overseas, to save a few dollars, and at the same time has made the process of accessing information about US accounts so difficult that they have effectively made it impossible for US clients to access their own accounts. There isn't even a local Citibank branch near our house in XXXX NJ. Banks should not be permitted to operate in the US, if they are not available to handle complaints and provide efficient local customer service.
Product: Bank account or service

I am a salesman for a local roofing and construction company out of XXXX Florida. We are also our own financial company. A customer of mine entered the suntrust bank on XXXX XXXX, in XXXX Florida to get a copy of their bank statement to show proof of income for our financing. The manager ( I did not get her name, but she is a XXXX woman in her XXXX ) refused to give them their statement, insinuated that we were a fraudulent company directly to me and my customers, then attempted to steal my deal by suggesting that they should n't finance with us, and to have her write the loan. I find this extremely unethical. Not only did she kill my deal, she did so to benifit herself. A lot of people depend on us to be able to do business unhindered by outside parties with ill intent. These jobs feed the families of our employees, and her actions have made it harder for us to accomplish that end.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in correspondence with Experian for the past three months regarding inaccuracies and errors that i believe are fraud. I have aked that these items be removed