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

On XX/XX/XXXX my account was charged for {$140.00} by XXXX XXXX - So I contacted them and they gave me a different name and a different zip code that was associated with that card. I explained to them that's not even the correct name attached to the card or address. XXXX instructed me to contact my bank because everything went through on their end. So I contacted my bank which is Chime on XXXX XXXX and told them about said charge and the representative filed a dispute for me. The next day I went through my entire account and noticed transactions from XXXX, XXXX, and XXXX. So I opened a claim with the bank again and XXXX and XXXX we're both blocked from my account, and I asked them how were they still able to charge my account. XXXX of the charges from XXXX came back to me and they were " direct debit '' charges, but the other 2 charges were denied as well as the charges from XXXX and XXXX and they did not give me a reason, they just said " they determined there was no error '' and I literally can not understand why when I did not authorize none of these charges. I contacted XXXX again on XX/XX/XXXX, and was able to speak with a supervisor & explained everything to her. She was able to issue me a refund and it never came back to my account. So I contacted Chime again today and spoke with 6 different representatives and they all told me something different. 3 representatives told me " it doesn't matter if the card is cancelled, if there is a refund issued it will be going back to the same account. '' The other XXXX representatives told me an issue can not be refunded to a card that is cancelled. After being on the phone for XXXX hr. and XXXX minutes, I did not know what to believe. All I knew was my bank did a 1-2 day investigation and found no error. When I spoke with XXXX they said they could not verify my account with my phone number or email and there was nothing they could really do without verifying who I was.
Product: Credit reporting or other personal consumer reports

I have reached out to the XXXX credit bureaus about derogatory issues on my account. 

There are XXXX accounts that Experian, XXXX, XXXX show I have reached out to them numerous times its been about 5 months but the accounts are still on my report which is brining my credit score down.
Product: Debt collection

I was XXXX with XXXX XXXX in XXXX XXXX and subsequently had XXXX XXXX XXXX. I am a XXXX veteran, and my XXXX was paid for by the XXXX XXXX. Although I am a XXXX resident, I receive medical treatment at XXXX XXXX XXXX XXXX XXXX in XXXXXXXX. 

Understandably, many of my providers sent their claims to a XXXX, XXXX XXXX XXXX, and the claims were denied because I am not a part of their sytem. However, I contacted those providers by phone and/or written communication to provide them the name and telephone number the claims needed to be faxed to. 

XXXX XXXX XXXX XXXX XXXX was XXXX of the providers I called and wrote letters to explaining the proper procedures they needed to follow in order to receive payment. Despite my efforts, they did not follow through. This debt was placed with collection agencies and are reported on my credit report. Because of my illness, I have not been able to meet my financial obligations, but am now trying to resolve these issues. 

Since learning of this problem with my credit report, I contacted in writing the collection agency that has this debt and explained the problem. They never responded to my letters. I have disputed the debt with all XXXX major credit bureaus, but the debt still remains on my report. 

I have spent considerable time trying to resolve this matter ; making calls, writing letters, researching resources. After contacting XXXX XXXX XXXX XXXX XXXX by letter, I received a phone call from XXXX XXXX. XXXX XXXX informed me the XXXX still stands ready to pay this bill. Authorization remains in force and payment will be made as soon as the original claim is sent to her. 

I again spent several hours over the course of the past two days trying to reach someone at XXXX to provide them the contact information for XXXX XXXX. I left a message to have them return my call, but have not heard from them to date. 

I believe this debt should be removed from my credit report based on the above information. The XXXX XXXX from the very beginning was the responsible party for this debt. All other service providers who properly filed their claims have been paid by the XXXX. This erroneously reported information negatively affects my overall credit score, and I am working very hard to resolve my financial situation. 

I had to retire from my position with XXXX XXXX XXXX after my XXXX and am now XXXX. 

I spoke with an account representative at CMRE Financial Services yesterday and was told the original debtor has put their collection efforts on hold while they investigate the claim. I called XXXX yesterday as well, but noone has returned my call as of yet. 

I believe I have done everything possible to resolve this situation with the parties involved, with no resolution. Please investigate this matter. You can contact XXXX XXXX at XXXX XXXX XXXX XXXX to verify that the XXXX is responsible for this debt, and that it will be paid as soon as she receives the original claim. 

I can be reached at XXXX XXXX XXXX XXXX any time. 
Respectfully, XXXX " XXXX '' XXXX XXXX
Product: Debt collection

Account #  XXXX   Professional Adjustment says I owe {$620.00} on my credit report. I have asked the credit bureaus to validate t his debt. I have also called professional adjmnt Company who says they can not talk to me they have a cease and decease they have never sent a bill or validated this debt with me. They are voilating my right to have this date validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of XXXX  which I pay {$39.00} for monthly to monitor my credit. For some reason, Equifax continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet Equifax shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with Equifax, XXXX, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX  ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. Equifax and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and Equifax, but XXXX still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$79.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$3700.00} XXXX XXXX
Product: Mortgage

My taxes prove that I am paying {$7800.00} on my property taxes annually at XXXX XXXX XXXX in XXXX, TX XXXX. 

However, myloancare.com is charging me {$890.00} a month in escrow fees which is {$10000.00} a year in property taxes.
Product: Bank account or service

I have a savings account denominated in XXXX at Bank of China. They charge above market rates ( almost 1 %! ) to convert from USD to CNY and vice versa, and I already paid that premium to get in. Now I would like to get out, but I do not want to pay their excessive bid-ask spread. Since they are not willing to give the fair market rate, I would like to move my money to a broker ( e.g. Interactive Brokers ), where I can trade at the fair market rate. 

I thought of XXXX solutions : 1 ) They let me wire my XXXX there, or 2 ) They let we withdraw it as cash/check so I can deposit it there. However, the branch employees tell me I need to convert to USD first before wiring, and that the physical withdrawal limit is very small per day ( it would take me half a year to withdraw my savings ). Basically, they want to force me to pay their excessive spread on the currency rate. 

It does not seem legal to me to prevent me from transferring/withdrawing my own money how I see fit. I understand money laundering concerns, but they can do as much background check on me as they like, and see that I am clean. It seems to me I should be able to withdraw my money in any form and quantity I want. Thanks.
Product: Debt collection

This is an old account that collectors have never closed. I have had to file complaints against each debt collector. To date this is the FIFTH collection agency attempting to collect on a debt that was paid in full back in 2018. It was attempted to be collected by : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and now a company named JEFFERSON CAPITAL SYSTEMS. 

This is an attempt to collect on a XXXX bill from 2018, which was paid in full at that point in time, and all subsequent debt collectors have assured the government and myself that the account would be marked as pain in full and CLOSED. Clearly this is not the case and JEFFERSON CAPITAL SYSTEMS is attempting to collect for a debt that is not owed, and the reason all previous debt collectors have closed and removed the account. 

JEFFERSON CAPITAL SYSTEMS did not send a letter, email, phone call - nothing to alert me that it was attempting to collect a debt from XXXX from over XXXX ago. I attempted to call JEFFERSON CAPITAL SYSTEMS XXXX and the wait time was over XXXX each time I attempted to reach them. 

I request that this debt collector be removed immediately from all three of my credit reports, and that this debt collector mark this account as CLOSED so I don't have new collectors again attempting to collect on an account that was closed several years ago.

Please see attached former debt collectors for this account.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 
XXXX XXXX XXXX.
Product: Vehicle loan or lease

I was charged a higher interest rate on my car loan because of my XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I asked for accommodation and time due to my XXXX XXXX They refused to give me an extension and threaten to repossess the car.
Product: Credit card

I requested CITI BANK VISA credit card to have the late fees reversed because I made the phone payment on the due date as usual but they have a policy that if the payment is after a certain time it takes it for the next day causing it to be erroneously late. 
If I pay by phone on the day of it should count for the same day. As funds will be guaranteed. 
When I asked to reverse they said they could not because their policy also only allows one reversal every XXXX!!!!! Sure they like to increase the APR too and they don't even notify the people. I was charged XXXX late fees of {$41.00} each because I was a few minutes after XXXX PST. 
Please regulate these type of late fees especially during the inflation.
Product: Mortgage

I have an offer on my home that would be a short sale. CitiMortgage is the XXXX lien holder and XXXX XXXX is the XXXX lien holder. CitiMortgage will accept {$470000.00} ( balance is approx. {$520000.00} ) and XXXX wants {$50000.00} ( balance is approx {$150000.00} ), This complaint is against CitiMortgage because they led us to believe that if we raised the {$50000.00} then the short sale could go through. We did raise {$24000.00} and was still working on it when CitiMortgage stated that any additional funds that we raised would have to go to CitiMortgage until the full loan balance was paid and THEN any additional funds could go to XXXX. Below is a Letter from CitiMortgage that specifically states that they would accept an offer of {$470.00} and the rest to help reach the {$50000.00} could then come from the buyer or seller. It does not state that the XXXX lien has to be paid in full! We have worked hard to come up with funds based on this statement from XXXX XXXX at CitiMortgage. Following is the letter that I copied and pasted from CitiMortgage to my realtor : Hello XXXX, We would still require an offer of at least $ XXXX regardless of HAFA or not. If HAFA is cancelled then we would allow 6 % to the XXXX lien and the rest to help reach the $ XXXX could then come from the buyers and/or sellers to satisfy the XXXX lien requirements. 

Sincerely, XXXX XXXXShort Sale/DIL NegotiationsXXXX XXXX *end of emailThere is no way we can pay CitiMortgage in full and then come up with {$50000.00} to XXXX XXXX . I am at my wits end as neither XXXX or CitiMortgage will help to resolve this issue and allow this short sale to go through.
Product: Student loan

ON XX/XX/XXXX I was given counsel by Navient representative to consolidate my student loans through Direct Loan Program because my student loans would not be forgiven even though I met the qualifications for public service loan forgiveness during the loan period. I was told by Navient ( aka XXXX XXXX ) in XX/XX/XXXX that my loan would be forgiven in XX/XX/XXXX. Therefor, I did as they suggested an completed the Direct Loan Consolidation so that my loans would qualify ( yet again ) for Public Service loan forgiveness. 

On XX/XX/XXXX I submitted my application for consolidation. During that process, it allowed me to complete the Income Based Repayment plan as a part of the process in which I submitted ALL documentation during that session. 

I was also told to submit my normal IBR application for the original loans that was held by Navient. On XX/XX/XXXX I submitted my normal renewal for the IBR. 

On XX/XX/XXXX I contacted Navient because I had not received any notification of the status of my Consolidation nor my XXXX. I was told at the time that everything was still in process, and that i was given a 30 day Forbearance so that they would have time to process the consolidation and XXXX without penalizing me. 


On XX/XX/XXXX I get a letter in the mail that stated that My loan is due for full repayment within 9 days ( XX/XX/XXXX ). 

On XX/XX/XXXX I contacted Navient. I spoke with XXXX ID # XXXX. She looked into the issue and noticed that ALL my paper work for the consolidation was completed, but for some ODD reason the IBR was not processed, no one in Navient took any action to process it. She stated that all teh IBR documents were present. And that there was no known reason why my IBR should have not been processed. I expressed to her that Navient has a vendetta against me personally because I keep reporting and complaining about how they treat XXXX Americans conservative XXXX. They intentionally mess up my paper work to cause undo hardship and stress upon my life. 

The rep stated that she would expedite the IBR application and would send an email out at that moment as proof of our conversation. I never got the email. She also stated that the expedition would take until XX/XX/XXXX. However I explain to her that the forbearance ends XX/XX/XXXX. I told her that Navient would find a way to penalize me for this issue that was NOT my fault. I also told her that everytime I talk  to someone at Navient, each rep tells me something different about my account situation. 

These people have been lying to me for years. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens bank has failed to remove my loan from forbearance on each of my credit reports after I left Forbearance XX/XX/2021. I am current with my loan and Citizens has not updated my loan with each credit bureau.
Product: Credit reporting or other personal consumer reports

New AFFIDAVIT ATTACHED! 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX : XXXX Sos : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries Reference Numbers : FTC Complaint : XXXX CFPB Complaint : XXXX, XXXX Dear Sir or Madam, I, XXXX XXXX, hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report. 


-- - Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Additional Requests : Please remove the block on my online account access. 



-- - Thank you for your prompt attention to this matter. Please provide confirmation of the actions taken to resolve this issue. I can be reached at the address provided above should you require any further documentation or clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am Requesting the Removal of Inaccurate XXXX  Payment Entry from Credit Report. Account XXXX : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate XXXX  payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of XXXX payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate XXXX  payment entry. In addition to the inaccurate XXXX  payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate XXXX  payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed out a notarized dispute letters to XXXX and Experian via USPS Certified Mail, tracking # XXXX and Experians Tracking XXXX. XXXX and Experian received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from XXXX on XX/XX/XXXX with the subject titled " XXXX Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

Experian has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe XXXX  is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link XXXX sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire XXXX provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX & XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report.