23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I Requested XXXX XXXX  Close my account in XX/XX/XXXX due to fraud and unauthorized user. ( My conversation was recorded with my Bank Manger conferenced in with XXXX. They did not close the account as promised until XX/XX/XXXX nor would they retroactively do so. Every time I close an account they open a new one and allow fraudulent charges to be transferred to new cards, at least six cards I am aware of. They lost my initial fraud report and have not reimbursed me nor can tell me when I will be refunded. My credit has been adversely impacted such that I can not get a job or new credit. Prior to this incident I had excellent credit in that my balances were paid on time in full every month. Despite having a XXXX XXXX XXXX which I believe has zero liability I am being held liable. They refuse to provide necessary documentation showing multiple frauds so I can apply for a new social security. My bank account was breached as well. While they admit orally to fraud they will not provide anything in writing or agree to blocking my account.
Product: Credit card

THE END OF XXXX I CLICKED ON A SALE LINK FOR XXXX XXXX  % off XXXX sale. I shopped for about an hour. I purchased {$66.00} worth of items. 
I never received tracking or an email from XXXX. After a couple weeks I went searching through XXXX for a receipt. I found nothing for that amount except a charge from a company called XXXX. I searched back in my email and found a receipt for charges with no description of items, or shipping information. I never received any other contact from XXXX. I immediately sent a message through their support email. NO one ever answered back. I went to Citibank and found the charge and disputed. I didn't realize I should have clicked Fraud. They tell me since I willingly gave my credit card to XXXX it wasn't a fraudulent charge. Citibank/Citi card has been sent pictures of the fake support emails that bounced back because it does not exist. They received a letter signed by myself and my husband about what had happened. They received several complaints about this company stealing money from people around the world not just the country. 
I was told I had to pay {$66.00} they had reversed the temporary credit they had given me. 
I made XXXX more calls pleading with them to go to a site and look at the people that had the same problem as me and other people that actually shopped on Risetor.com Which I NEVER SHOPPED ON! I was one of many people who clicked a link on XXXX taking us to a site so very well organized no one would have known. There were pictures from several stores at the time I had no idea of that either. XXXX, XXXX, XXXX XXXX, XXXX XXXX and more. All those pictures of items on that fake site were stolen from those stores. XXXX I did a search on XXXX XXXX scam. I found several other people complaining about the same thing that happened to me. Citibank Fraud department after weeks has not done anything. Citibank hires their fraud department from XXXX. Seriously? All I get is don't worry I will investigate this, and they have done nothing but tell me I owe XXXX {$66.00}. I never went on XXXX. This is a FRAUD CASE This company is making millions off the back of American citizens and others across the world with their bad selling techniques of ripping people off and fake websites.
Product: Credit card or prepaid card

ON XX/XX/XXXX I FILED A DISPUTE WITH NETSPEND CLAIM # XXXX FOR {$440.00} ON CARD # XXXX XXXX XXXX XXXX. ON XX/XX/XXXX NETSPEND GAVE ME A PROVISIONAL CREDIT OF {$440.00}. HOWEVER ON XX/XX/XXXX THEY TOOK AWAY MY PROVISIONAL CREDIT, ,DUE TO XXXX STATING THESE WE 'RE MY CHARGES. 

ON SAME CARD .... ( XXXX XXXX XXXX XXXX ) I ALSO HAD TO FILE A 2ND DISPUTE CLAIM XXXX XXXX BECAUSE NETSPEND FORGOT TO CANCEL MY CARD WITH THEM ... SO SOMEONE CONTINUED ADDING UP FRAUD CHARGES. 

I CALLED XXXX AND CANCEL CARD AND EXPLAINED THAT THESE ARE FRAUDULENT CHARGES ... THEY STATE AND CONFIRMED THAT THESE WERE INDEED NOT MY CHARGES. BUT NETSPEND NEVER CANCELLED CARD. 

XXXX STATED THEY COULD NOT GIVE ME A MERCHANDISE REFUND BECAUSE I CA N'T CONFIRM THAT THESE WERE NOT MY CHARGES. BECAUSE THEY SEND E-MAILS AND I 'M NOT ONE OF THE E-MAILS/. 

ON XX/XX/XXXX I SENT THEM ANOTHER FAX ON THERE MISTAKE AND STARTING ASKING FOR THEM TO RE-OPEN CASE # XXXX. 

XX/XX/XXXX I GOT PROVISIONAL CREDIT OF {$320.00}. XXXX. AROUND XX/XX/XXXX I WON THAT INVESTIGATION, SO I ASKED AGAIN TO RE-OPEN FIRST CASE BECAUSE IT ; S THE SAME CHARGES THAT XXXX CHARGED ON 2ND DISPUTE. TOLD THEY WOULD SEND ME PAPERWORK AND XXXX 'S ANSWER BUT NEVER HAVE RECEIVED ANYTHING. 

LAST REQUEST ON XX/XX/XXXX STILL TELLS ME THERE IS NOTHING THEY CAN DO FOR ME. TALKED TO THEM AGAIN TODAY AND TOLD THAT ONCE A CASE IS CLOSED IT IS THERE RULE THAT THEY CA N'T RE-OPEN IT NOR CAN I ISSUE A NEW DISPUTE! 

XXXX THRU NETSPEND
Product: Credit reporting

Late XXXX, I sent out a letter to Transunion to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED. Transunion did not remove those inquiries. Also, I called Transunion to have RE-INSERTED inquiries removed that were deleted from my report during the system wide glitch. I made Transunion aware that I was not notified within 5 days of re-insertion.
Product: Checking or savings account

XX/XX/XXXX CashApp via XXXX has been holding my funds for the past 5 years without releasing them. I had a XXXX  XXXX on myself and old company back in XXXX. But I have filed the proper paperwork for release such as XXXX lien termination letter. I have repeatedly sent cash app via email proof of release but they still would not release my funds without a court order. The lien release is done by the XXXX of XXXX not by the courts. I have absolute proof of my termination letters. I have attached proof
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -
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 AND CONFIDENTIUALITY UNDER 15 USC 1681. 



ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN 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 BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

My credit card company XXXX initially charged me an incorrect finance fee, under Law 15USC 1666B those fees were deemed incorrect and I disputed these charges and requested a fee reversal. These fees were refunded as shown on my attached statement. In addition, the company subsequently charged me a LATE FEE of XXXX which too was deemed incorrect and refunded on my attached statement. This issue however is not completed and is showing up INCORRECTLY on my Experian and XXXX credit reports. Please note that the statement that my XX/XX/2023 statement was never delivered which also violates 15USC 1666B which states the statement was to be delivered to the consumer not later than 21 days before the date specified in the statement by which the payment must be made in order to avoid the imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear TRANSUNION, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within 4 business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft Report : Filed with the Federal Trade Commission ( FTC ). 
Proof of Identity : Copy of my government-issued ID and Social Security card .

Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within 4 business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 seven 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: Money transfer, virtual currency, or money service

Hello, I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite me using Zelle a bunch of times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately! They have informed me that recovering lost funds was very impossible & that tracking these transactions was unfeasible. The CFPBs findings indicated that Zelle has not just neglected to protect consumers but also allowed repeat offenders to exploit the system. Leaving user 's vulnerable to scams! This lack of accountability & transparency is very unacceptable and raises concerns about a consumer like myself safety.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To : Dispute Resolution Subject : Formal dispute and demand for loan discharge due to legal violations. 

Dear XXXX I am writing to formally dispute the legitimacy of my student loan obligations transferred due to serious legal breaches of federal privacy including the family educational rights and privacy act ( FERPA ), the PRIVACY ACT OF 1974, and the HIGHER EDUCATIONAL ACT I demand the immediate cancellation of all financial obligations related to these debts. 

It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 


Legal grounds for discharge is as follows : 1. FERPA VIOLATION : The exposure of my educational records without my express written consent is direct breach of FERPA, which mandates the protection of personally identifiable information. 
2. VIOLATION OF THE PRIVACY ACT OF 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies and contractors. 
3. BEACH OF HIGHER EDUCATION ACT : The higher education act requires services to maintain strict confidentiality and compliance in loan transfers. The transfer to my loan to Depted/CRI and subsequent data breaches demonstrate clear negligence. 
4. BREACH OF CONTRACT AND DATA SECURITY OBLIGATIONS : By failing to protect my sensitive information, both Nelnet and DeptedXXXX have breached contractual terms and obligations, rendering these debts unenforceable. 

DEMAND FOR RESOLUTION : Due to the violations, I formally demand : - [ ] Immediate and unconditional cancellation of all financial obligations associated with my student loans. 
- [ ] Complete removal of all Nelnet and Depted XXXX related entries from my credit report. 
- [ ] Written confirmation of this cancellation and credit correction within 30 days. 

If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law. 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX - XXXX XXXX XXXX This account is over seven years old and needs to be removed. 

Equifax refuses to honor a dispute request on my credit report. An account on my report is over seven years old, and they refuse to investigate and delete this record from my credit report. XXXX and XXXX have already removed this account once it hit seven years. Equifax Confirmation number : XXXX. 

I constantly dispute this account through XXXX online dispute tool, but it comes back within two days as verified. 

On my last complaint with CFBP XXXX. XXXX stated the record was no longer on my credit report, but the record still exists. I created a follow-up compliant XXXX which XXXX responds with a canned answer. 

This record needs to be deleted from my credit file immediately.
Product: Credit card or prepaid card

I currently have a Home Depot card that I had in my possession over several years who is back by Citibank recently I just noticed that they decrease my credit limit from $ XXXX {$1200.00} with no reasoning behind it never been late never went over my balance on my credit limit they just simply said that they was decreasing it I feel like as a consumer that is totally unacceptable is an disheartening and affect my credit report .I need this matter to get fix immediately.
Product: Credit card

GOOD MORNING THIS IS MY XXXX TIME PUTTING IN THIS APPLACATION FOR A CREDIT CARD AND KEEP GETTING DENIED. DUE TO 15 USC 1691 AND 12 CFR 1002 STATES THAT YOU CANT BE DENIED CREDIT DUE TO CREDIT SCORE OR CREDIT HISTORY OR INCOME. ANYONE ADVERSE ACTIONS IN A CONSUMER CREDIT TRANSACTION IS ILLEGAL. ALSO I WOULD LIKE A LIST OF ALL THE FACTORS THAT WAS INVOLVED IN THIS CONSUMER TRANSACTION.
Product: Credit card

In XX/XX/XXXX I reported a {$280.00} airline ticket fraud on my Citicard ending XXXX. It was reversed and new card ending XXXX was issued. Within 1 week there was a second XX/XX/2017 fraud charge on card ending XXXX, for XXXX XXXX TN in the amount of {$350.00}. I reported the XXXX XXXX fraud and was told it would be reversed and I did n't need a new card. It was not reversed. I called. 2d time and was again told it would be reversed. I viewed my on line account on XX/XX/XXXX and learned that the {$350.00} XXXX XXXX fraud charge had not been reversed. Instead, Citi had submitted a dispute for a XX/XX/XXXX charge of {$300.00} to XXXX XXXX XXXX, a valid charge. Seemingly Citi confused the {$350.00} XXXX XXXX fraud charge with the valid {$300.00} XXXX XXXX charge because both were XXXX. I spent an hour on the phone with 3 Citi agents to reverse the fraud charge and assure the valid charge was not disputed. Today XX/XX/XXXX I received a form letter in which Citi indicated the incorrect dispute was my fault, and referencing credit reporting agencies. This was entirely Citis mistake. Citi has potentially caused my XXXX XXXX reservation to be cancelled. Citi has not given the actual facts as they occurred any real attention, and has yet to reverse the XXXX XXXX fraud charge. I would like someone from Citi to fix XXXX mistake. I would like an actual response that is not a form letter. I would like an apology. I would like verification that Citi has not caused XXXX XXXX to cancel my reservation. I would like Citi to reverse the XXXX XXXX fraud charge.
Product: Credit reporting or other personal consumer reports

I attempted over the last 90 days to use the website of TransUnion CRA. The site fails on a daily basis. It endlessly loads requiring users to call and file disputes by phone or chat! To suggest consumers have access to their credit reports, scores, or can dispute online is a complete lie. I am quite certain if you pay TransUnion their $ XXXX for premium access, well thenthe site works perfectly. However, the URL and basic access for an average consumer is manipulated and requires you to pay them for access to YOUR financial reporting data. This CRA is defrauding the consumer by suggesting you have access when you absolutely do not unless you pay them {$360.00} a year. THIS IS AN ABUSE OF CONSUMERS AND THEIR RIGHTS TO MANAGE AND MAINTAIN THE ACCURACY OF WHAT IS REPORTED IN TODAYS DIGITAL AND ONLINE EXPECTED DELIVERY.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. - According to, U.S.C. 1681 section 602 A. states I have the rights to privacy. - According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of XXXX XXXX. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE