23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I disputed a account placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX claims they were collecting for XXXX XXXX XXXX XXXX. XXXX XXXX originally informed me to dispute with the collection agency and the bureaus bc they did not send anything to collections. 
I dispute as advised and the collection account was removed. I get an alert today informing me that Aargon Agency has placed this same account back on my report. I called and spoke with XXXX who was VERY rude and basically tried to over talk me. This collection agency is in violation of several aspects of the FDCRA. This company is also reaging debts that they clearly do not own and can not verify according to the FDCRA. Aargon agency is reporting that the account was placed with their company on XX/XX/XXXX but this same account was removed and deleted from my report with XXXX XXXX XXXX on XX/XX/XXXX. How could the account be placed with them in XX/XX/XXXX when XXXX XXXX XXXX was still reporting the same account in XX/XX/XXXX then deleted in XX/XX/XXXX after I followed all proper procedures to have it removed??? This collection agency is using illegal tactics to get consumers to pay collections they do not own.
Product: Checking or savings account

Chase has predatory practices when it comes to overdraft fees and insufficient funds. While most banks will allow you to stop overdrafts by declining charges that come through when you do not have the funds to cover it, chase continues to allow it to occur. I have requested with representatives numerous times to not allow this, however it has continued to occur. Additionally, if multiple items come through at the same time, you will be charged a fee for each individual item, instead of a fee for the occurrence. Which is also extremely predatory. For example, say I had {$80.00} and bought {$80.00} in groceries, say another transaction posts before this for {$150.00}. I will be charged two fees instead of one had my intended charge came through as expected. Normally I understand overdraft fees are due to the individual not having enough funds, but the way it is practiced with chase is to take advantage of the consumer. At this point I have over {$500.00} in fees they refuse to waive. As this is almost a paycheck for me, their practices will just continue to snowball my account. Additionally their customer service refuses to help in any regard, no over draft protection and refuse to waive fees. Choose to bank elsewhere that has better account protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect and incomplete items from my credit report to the credit bureaus and i have not received a response
Product: Checking or savings account

Hello CFPB, I had opened a Personal Checking account with Citi Bank in Summer of XXXX. 
I funded the Citi Bank with a total of {$33000.00} in 3 separate transactions below from my originating bank, XXXX. I have also screenshotted these 3 transactions from my originating bank. 

XX/XX/XXXX - {$25000.00} wired via XXXX XX/XX/XXXX - {$7300.00} transferred XX/XX/XXXX - {$1000.00} transferred I was notified in the Summer that Citi Bank had shut down my account and that I would receive a check for the balance on my account. On XX/XX/XXXX, I received a check for {$1000.00} with a memo saying Closeout Disbursement. 

I have been contacting Citi Bank 's support and fraud line for weeks to try to recover my remaining {$32000.00} in funds. Every time I speak with them, they tell me that because the account was closed they do not have any information on the balance of the account and information on how I can get the remaining {$32000.00}. 
I was told they would contact the back office and provide me with an update within 48 hours, however that never happened. 

Citi also recommended me to go to a branch, however Citi doesn't operate any branches in Texas, which is where I live. 

I would really like assistance in recovering my remaining {$32000.00} in funds, as it is a large balance. I appreciate yours and Citi 's assistance with this matter. 

Many Thanks, XXXX
Product: Debt collection

Dear Sir or Madam, My complaint is about XXXX creditor collection practices. On XX/XX/XXXX XXXX XXXX XXXX [ Reference # XXXX ] was notified via. USPS postal service of BARRED/INVALID DEBT, the debt was then transferred to XXXX after DENIAL letter I wrote to XXXX XXXX XXXX. On XX/XX/XXXX XXXX [ Reference # XXXX ] was notified of the BARRED/INVALID DEBT via. USPS Certified Mail with Signature and they were also notified that CFPB would be contacted if they continued to contact me about a debt that was denied. On XX/XX/XXXX I received a second letter from XXXX ( XXXX dated the letter XX/XX/XXXX ) harassing me about the same debt. If XXXX believes they want to take legal action against the XXXX of XXXX XXXX XXXX aka. XXXX XXXX I have provided the Probate Case # XXXX to them. I do not want to be harassed regarding a BARRED/INVALID debt again. I will be providing all supporting documents in this matter to CFPB for the correspondence between myself, XXXX XXXX XXXX and XXXX collection agencies. Thank you, Sincerely, XXXX XXXX XXXX ( Personal Representative )
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns of the issue going on with Zelle. I am very concerned of the matter at hand specifically when it comes to the CFPB lawsuit. I have reached out multiple times when it comes to my issue and none have been resolved, I am a loyal customer of Zelle and I dont believe its fair to have our information at risk and to let repeat offenders exploit the system without our knowledge. To customers who do the right thing, this is an issue.
Product: Checking or savings account

I received letters from Wells Fargo saying that I got deny my claim. On the date XX/XX/21 my bank account got hacked and somehow someone live a day from me E-withdraw my money that I didn't know and I didn't withdraw my money. After I saw my money withdraw I ran to the bank and report to them right away. Don't know why they didn't verify the location and match the time when I report to them. I need help The amount was XXXX and XXXX, total is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in a XXXX XXXX XXXX and I was told my now ex-husband was selling my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

on XXXX XXXX I spoke with the mortgage company to get off my forbearance plan. I was sent trail paper work for modification. from XXXX, XXXX, XXXX, I had to make payments on the XXXX of the month. I made each payment over the phone with a customer service rep. I called end of XXXX to see would I get any upstates on how to pay my bill for XXXX since the portal never let me submit my payments. when I called the customer service they took payments of {$1100.00}. which it says it on the portal log in. the trail paper states {$1000.00}. which i was unaware I know its my fault for not reading it correctly. I was pregnant and have a newborn baby 2months now. when I called they told me my loan was breached since I didnt make the amount of {$1000.00} and now I need to have {$14000.00}. by XXXX XXXX or else my house would be in default. I feel this is unfair I take responsibility for not paying attention but again I was pregnant with a lot on my plate. I made each payment on time on the 1st. Why didnt the customer rep tell me I was short?. they accepted each payment as if it was okay over {$29.00} dollars if I would have known I would have paid it no issue. I called Lake loan care told them and the manger brushed me off said its nothing they can do and they have to move to the next caller. I really want my home I dont wan na lose it. I asked was it anything I can do I have newborn and next month ill have to lose it all. they sent me a denial letter. but why am I being denied again over such a small amount when I paid on time It was just a confusion. also why does the loan website says XXXX when I saw that I automatically figured oh this is what I have to pay. but no they took my payments and told me once it was over I breached. can anyone help me can I keep my home? its just me working my husband lost his job due to covid and im XXXX XXXX ( XXXX ).
Product: Checking or savings account

Chime/XXXX  XXXX XX/XX/XXXX, I noticed to transfers to XXXX XXXX in the amount of {$14.00} and XXXX. Since I did not know this person I disputed these transactions with Chime. I also cancelled my cards and ordered new ones. Chime refunded the amounts on XXXX XXXX. 

On XX/XX/XXXX, several transactions hit my account that I was not aware of. Usually I get notifications when I use my card. 
XXXXXXXX XXXX XXXXXXXX : - {$10.00} XXXX XXXX  XXXX XXXX : {$25.00} XXXX XXXX XXXX XXXX : {$25.00} XXXX XXXX  XXXX XXXX XXXX {$10.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX  XXXX XXXX XXXX : {$10.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$10.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$10.00} XXXX XXXX XXXX XXXX XXXX : {$10.00} XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX  XXXX XXXX XXXX {$10.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$10.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$10.00} Then between XXXX and XXXX XXXX five transactions for {$5.00} apiece/ I DID NOT AUTHORIZED THESE TRANSACTIONS!! 
On XX/XX/XXXX at XXXXXXXX XXXX two transactions for XXXX  to a XXXX XXXX ( I have NO idea who this person is ) At XXXXXXXX XXXX at XXXX a transaction for {$35.00}. 
On XXXX XXXX, between XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX transactions for {$25.00} apiece. One {$10.00} transaction at XXXX XXXX  for {$10.00} dollars, and between XXXX XXXX  and XXXX five transactions for {$1.00} apiece. 
On XXXX XXXX, two transactions at XXXX XXXX services XXXX for {$11.00} and {$19.00} On XXXX, XXXX, {$330.00} was transfered to XXXX XXXX XXXX XXXXXXXX XXXX another {$210.00} was transfered to XXXX XXXX XXXX 

XX/XX/XXXX, a purchaseb of {$40.00} was made at XXXX. 

XX/XX/XXXX at XXXX and XXXX XXXX, TWO purchases for {$3.00} and {$31.00} were made at XXXX. XXXX and XXXX 3 purchases were made at XXXX services XXXX  for {$60.00}, {$40.00}, and {$40.00}. 
Later on XX/XX/XXXX, between XXXX and XXXX purchases were made of {$57.00}, {$40.00}, and {$170.00} Now I DID NOT AUTHORIZE ANY OF THESE WITHDRAWALS, TRANSFERS, OR PURCHASES. 
I have provided Chime with supporting documents : police report, email from XXXX saying after THEIR investigation my account had been comprimised. 

Chime is refusing to refund my money. Where I am confused about is that I have been a member since XXXX and have never had this type of activity on my account. Also one of the disputes they did aprrove # XXXX was from this same XXXX XXXX But the two big ones for {$600.00} and XXXX they keep denying.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the blocking and removal of accounts and inquiries linked to fraudulent activities as a result of this breach. 
Below are the details of the accounts and inquiries that I request be blocked and deleted from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These items in question contain numerous discrepancies, including inconsistencies in the date opened, high credit, credit limit, last reported, comments, date last active, and date of last payment. These errors are not only unacceptable but also compromise the accuracy and integrity of my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Lease have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
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. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX ks XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion XXXX report. I have NEVER requested credit from the following accounts : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXXnquiry : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX report immediately!
Product: Credit reporting or other personal consumer reports

A 1099-c was not received and It was sent to the IRS. 
Account Number : XXXX Date of 1099-C Issuance : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the XXXX year history it is not uniform across the board which it should be...
Product: Student loan

Back in late fall of 2017 I had worked out a pay-off arrangement with Student CU Connect. I had 4 loans with them and paid {$6000.00} on the 1st loan. {$2100.00} on the 2nd loan. {$2500.00} on the 3rd loan, and {$11000.00} on the 4th loan. I thought it was all satisfied until a couple months I answered a call from them to find it was Student Connect 's collections department trying to get the remaining amount of each loan. After multiply calls and different individuals I finally found out that the paper work never got back to them signed. Now understand that it was electronic signature and i had thought it went through no problem, especially since they didn't hesitate to take my money in the grand total of {$22000.00}. Furthermore they told me they had the agreement in front of them as we spoke but it was not signed and they would no longer honor it. Ethically why would they not honor it??? They got their money when requested for the amount requested. Also why would it be in collections if I paid that amount. That amount I would have thought would have carried me for years anywhere. I wont even go into the interest rates that were associated with these loans. 

Unfortunately I do not have much email back up as my work computer deletes after a set amount of days and I thought these loans had be satisfied. 

One last thing this has now shown up on my Credit Report which will severely hurt my chances at future credit applications.
Product: Debt collection

Three to four different debt collection companies have tried to place a collection from this company on my credit reports. I have gotten the debt removed each time because its fraud and each time they try to file for a different amount claiming to be owed by me. One collection was for {$370.00}, another {$190.00} and now they are claiming I owe {$150.00}. Which makes no sense, I never had a loan with this company and if I did why would they collection amount be different each time they file? This is fraud please stop this company from using my SSN, they are harassing me and affecting my credit. I DO NOT OWE THEM MONEY AND WILL NEVER PAY THEM ANY MONEY. Attached are screenshots of the {$370.00} they attempted to charge my XXXX account which I never gave them my name one their so Im confused how they tried to charge that account. And attachted are screenshots from experian deleting this debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 



XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting

There is a wrong name ( not me ) added to my report which caused me to drop XXXX points! I 've changed nothing and my credit report as of last week was XXXX yet this morning its XXXX. And there 's a name on it that is clearly not mine and not even close. What can I do to remove this? 
Here is what is wrong : Names ReportedXXXX XXXX XXXX, XXXX, XXXXSee something wrong? 
Find out how to update personal information.