23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I was informed that my account would be closing and all debit cards was blocked and I couldn't retrieve my online banking account. I was told by numerous representatives from the Fraud department to go into a Citibank branch to withdraw my funds. They all knew that I lived in XXXX XXXX XXXX not XXXX XXXX  XXXX, 6.5 hours away 9 hours by XXXX bus which I took from XXXX NY to XXXX XXXX XXXX on XX/XX/2021, paying {$150.00} round trip to the Citibank branch at XXXX XXXX XXXX XXXX, NY. This has been going on for almost a month now. I went to the Branch and Citibank would not release my government funds. Citibank is holding my New York State Unemployment checks deposited into my account during this Pandemic. I was sent across State on lies being told by many representatives. The bank manager at the XXXX location in XXXX XXXX, NY also spoke with the Fraud department letting them know that they are misleading customers and holding on to Government funds belonging to a customer. She asked that they refund me as soon as possible. I followed up on Friday XX/XX/2021 and I am still getting the run around after almost a month. I am sickly and traveling when I shouldn't be to retrieve my funds back from Citibank. I had to borrow funds to get to XXXX XXXX XXXXXXXX to the branch and I had to borrow money to feed my children for 2 weeks. Too much pain and suffering. I also borrowed the money to get to the branch just to find out that Citibank lied to me on several occasions. I traveled to XXXX XXXX  XXXX with 3 XXXX XXXX in my XXXX, weak from very low XXXX XXXX, but I had to do what I had to do but was done on lies coming from Citibank representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted my initial complaint with the XXXX against Regions, XXXX, stating that I had been trying to set up autopay through my Regions online banking ( OLB ), and the payments were not going through. I stated that this had been going on since XXXX. Furthermore, I noted that I am a former employee of Regions. Therefore, I know how to set up autopay through OLB because I helped hundreds and possibly thousands of people setup their autopay through OLB. However, Regions did not believe that there was an issue on their part. 

On XX/XX/2022, I submitted another complaint against Regions through the XXXX, XXXX, addressing that I logged into my OLB with Regions to make a 1 time for my credit card payment on XX/XX/2022 before my due date of XX/XX/2022. This time Regions admitted that there was a problem with their system. Around the same time I noticed that Regions added a remark to my credit score. I can not see the remark except for the fact that it was a late payment. Common sense would suggest that this remark was unjustified based on my previous 2 complaints.

Now, I am submitting a 3rd complaint against Regions about the matter of their system not functioning properly. This as no shock to me as a former employee of Regions. As I suggested in My first complaint on XX/XX/2022, there needs to be a large scale investigation against Regions. They notoriously bully and make it difficult for consumers to have any type of financial justice when Regions is at fault. As you can see, I have been dealing with this matter through the XXXX. It started when no one at Region s would return my calls or respond to my complaint made to their internal system. It almost seems like it takes and act of god to make to Regions correct their mistakes and own their responsibility for the wrongs that they have committed.
Product: Vehicle loan or lease

My car wasnt working so I asked did I have any type of warranty but they didnt want to fix my vehicle and I told them to come and get it and they put it as a repossession and it wasnt and they sold the car and they still telling me I have to pay for it and still sending me letters stating I have to pay for it
Product: Student loan

Hello, I wanted to let you know about scam that I fell for with a debt company XXXX. They called telling me I could decrease my monthly payment by selling my loan to the DOE. They told me that I had to pay three installments of {$430.00} to allow the DOE time to sent up the repayment plan for me. Luckily, my parents happened to read an article on the XXXX and XXXX about potential praying on people struggling to repay student loans *I am struggling to repay and do need relieve from these large payment ). I am hopefully with in the three days the contract allows to cancel my contract. I just want to get the word out so others do not fall victims to these scams.
Product: Checking or savings account

I am a licensed general XXXX in NC. ( no XXXX and currently XXXX ). I was a self ( with family ) financed developer building houses without banking involvement. XXXX Bank, now Suntrust Bank allowed XXXX XXXX to open a business account when in XXXX when she was no a member of the corporation. In doing so, XXXX XXXX XXXX was able to embezzle about {>= $1,000,000} from about XXXX until XXXX. She worked from my companies. About XXXX, I did established XXXX XXXX with the NC Secretary of State and list her as a member. I had no ideal that she had previously opened those accounts. After she was listed as a member, she closed out my accounts and went on to embezzle millions more threatened to injury our children, That Fact is, she is from XXXX, migrating to the United States in XX/XX/XXXX. I have included several attachments with exhibits to help you understand what they did. The they will be XXXX XXXX, Suntrust Bank and a bunch of lawyers violating federal laws. 

Please review the exhibits and attachments.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my boyfriend sent me {$1300.00} through Zelle for me to go to my bank and get a cashiers check. On XX/XX/XXXX XXXX XXXX hit, we were affected, as was my bank who is based out of XXXX, NC. I was unaware that the systems were down with my bank, XXXX XXXX XXXX XXXX, I visited a local branch on Monday, XX/XX/XXXX, that is when I was told the systems were down. The money was never received into my account. On my boyfriends accountXXXX XXXX XXXX XXXXXXXX, the payment was processed. In my Zelle app it states I received the payment. In my boyfriends Zelle app it states the payment was processed. On XX/XX/year>, we tested a {$1.00} transaction with Zelle, the payment was processed and arrived in my account. On XX/XX/year> I spoke to Zelle. They informed me that he needed to speak with XXXX XXXX XXXXXXXX and file a dispute. He went into a local branch and they informed him that he needed to contact Zelle. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in limbo, our rent money, and nothing is being resolved.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that revealed significant problems with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering lost funds was impossible and that tracking these transactions was impossible. The CFPBs findings show that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I have numerous Auto Hard inquiries on my Credit report I did not authorize. I notified XXXX numerous times certified letters and calls, even placed Identity theft notification on my report. I have called the companies to advise identity theft to remove these inquires and they have not.
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute for incorrectly reported personal information filed with Experian on XXXX. 
Experian corrected some issues on XXXX. 
Filed complaint with CFPB on XXXX. 
Experian corrected more info on XXXX I am writing to file a second complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's persistent failure to remove inaccurate and unverifiable information from my credit report. Despite multiple attempts and the submission of substantial proof validating the inaccuracies, Experian has not taken appropriate action to rectify the situation. This ongoing negligence has negatively impacted my credit score and financial well-being. I request the CFPB 's intervention to ensure that Experian promptly investigates and corrects these discrepancies in accordance with the Fair Credit Reporting Act. Your assistance in resolving this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : Ima avictimofidentitytheft.Theinformationlistedbelow, whichappearsonmycreditreport, does not relate ot any transactions that I have made. It is the result of identity theft. 
Identify items resulting from identity theft that should be deleted, by name of the source, such as credit card issuers or banks, names, addresses, public records credit accounts.

Please delete block or remove this information from my credit report, pursuant ot section 605B of the Fair Credit Reporting Act and send the required notifications ot al furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my identity.

Acopy of section 605B of the Fair Credit Reporting Act, which requires you to delete block or remove the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 
Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent Account Account : XXXX XXXX XXXX XXXX : Fraudulent Account. 
XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Account Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Account. 
Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  on record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fraudulent Public Records : ID Number : XXXXXXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX ID Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested that a late payment be checked for verification because the original creditor, XXXX XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX  XXXX. In XXXX of 2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XXXX, which I know for a FACT is completely erroneous, because the late was in XXXX, not XXXX. How could these bureaus have properly identified with XXXX  XXXX? I dont think capital one would have told them it was late the following month. Equifax even took it off and then put it back on as more incorrect than it previously was.
Product: Debt collection

This is a new collection agency claiming a old debt that I don't recognize and I have verified it don't belong to me before. It is illegal to take it off only to put it back on my credit report without my knowledge again.
Product: Credit card

( XXXX  # XXXX XXXX XXXX XXXX ( XXXX ) XXXX ) To protect your account, your card is temporarily disabled. 
RFL XXXX XXXX I dont have a Chase credit card.
Product: Debt collection

On XX/XX/2021 I received correspondence in the mail from Discover that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Discover is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I wrote to XXXX, XXXX regarding file # XXXX, in Experian report # XXXX, and XXXX confirmation # XXXX explaining I do not owe the debt to XXXX XXXX XXXX as reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I want this claim of debt to be removed from my credit report. Based upon evidence I sent to XXXX, XXXX determined I do not owe this charge. Additionally, I have since reported XXXX XXXX and XXXX XXXX XXXX to the CFPB. As a result of my complaint, the CFPB forwarded a complaint to the FTC regarding XXXX XXXX XXXX and XXXX XXXX agreed to cease and desist collections and to close the account. ( Please see CFPB complaint number XXXX. ) Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2018 {$520.00} Debt Collection Agency : XXXX   XXXX, XXXX XXXX XXXX XXXX sent {$520.00} to a debt collector. I am very confused because I used to have XXXX, I have recently closed it like 5 or 6 months ago with no balance. My account was successfully removed and unable to login at all. I have no idea why I am having a debt agency coming at me, I haven't owe any of these from XXXX. I only used XXXX to sell merchandise on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
Product: Credit card or prepaid card

My son received a {$20.00} visa gift card from his friend for his birthday. When I went to use it, they said there was only {$3.00} available. I opened the card in the store so it had not been previously used. The card number on the front was partially scratched out. I called the vanillagift  customer servicenumber. They started a case but said they can not open a case without me sending them a copy of an ID and my birthdate. That is a violation of my privacy. It seemed like a scam. I only wanted a replacement gift card in the amount of {$20.00}.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting that I am delinquent on one of my accounts and reporting overdue payments. The account is for XXXX XXXX which is paid and closed and should be reporting as paid with a XXXX balance.