23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, who represents XXXX XXXX XXXX, has called my mother and work several times within the past week to collect on a debt. I understand that some of the debt is mine, however, I have disputed charges on one payment. My co-worker had explained that XXXX XXXX, at extension XXXX, was rude. Also, a XXXX called and was rude. They are harassing and threatening to call more if payments are n't made. I was forced to make a payment today. I paid the minimum, however, they pressured me to make a higher payment. Please look into this. The number they are calling from is XXXX.
Product: Credit card

In addition to CFPB complaint ID # XXXX submitted on XX/XX/XXXX, I'm filing second complaint with same credit card. I've been in dispute with Citi XXXX XXXX since XXXX. Here are the problems and requests : 1 ) After review all statements and transactions from XXXX to present - Citi XXXX XXXX must refund me at least {$2300.00} in transactional disputes. 
2 ) No service and response to me directly in regards to disputes I had with this company. No resolutions. 
3 ) This led to unresolved disputes, uncredited credits, accumulation of fees/interests. Some understanding needed on statements with " conditional credits for disputes '' that have a tendency to be " reversed '', than credited again, and then removed again without explanation. 
4 ) False credit reporting for none payment. As I explained to both store and credit company once the product is accepted, returned and return receipt is provided it's out of my hands and interests to what you do with the product. However, both store and credit company must issue credit on time. If there are any problems, I need to be notified. No notification was directed to me. All I see unpaid debt to me for products that I returned, receipts provided over and over to Citi XXXX XXXX that does not proceed with credits. I will not pay for products I no longer have at home that were returned and fees and interests that your company falsely enforces as payment. I will not pay for products I never purchased and disputed. 
5 ) Credit reporting - the credit limit was reduced from {$12000.00} to {$4000.00}. That's XXXX  revolving account or someone who has no credit history. Not, for a person who always paid lifetime of all payments on time and in full amounts. I refused to pay for something that your company doesn't do protect customer rights, privacy, finances and safety. My credit score has been significantly lowered that effects me negatively. Some problems with my financial reputation that I never had in my life including investment, shopping experience and opening new credit cards. 
6 ) The account was placed into XXXX XXXX XXXX XXXX collections agency with balance of {$320.00}. Citi XXXX XXXX promises that while I'm in dispute it doesn't report to credit bureaus and collections until problem is resolved. 
7 ) The Citi XXXX XXXX account is closed. 
Please resolve all problems immediately, your service would be greatly appreciated after XXXX or XXXX XXXX writing to your company. Waiting for that check that you owe me for accrued debt Citi XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep frustration and concern regarding Zelle 's appalling handling of disputes, especially in light of the recent CFPB lawsuit exposing serious flaws within the platform. Despite multiple attempts to resolve discrepancies through Zelle and my financial institution, neither took my claims seriously or conducted any meaningful investigation. I was told outright that recovering my lost funds was " impossible '' and that tracking these transactions was " unfeasible. '' The CFPB 's findings make it clear that Zelle has not only failed to protect its users but has enabled repeat offenders to exploit the system with impunity, leaving consumers exposed to scams. This lack of accountability, combined with complete transparency failure, is completely unacceptable and raises urgent concerns about the safety and security of every Zelle user.
Product: Credit card

This is the 3rd issue in 12 months. I mailed a check for payment on account on XX/XX/23 for {$50.00} and then on XX/XX/23 I mailed a check for {$140.00} for a charge incurred on XX/XX/23 well within the billing cycle. Neither check has cleared yet. Checks sent to other businesses sent on those dates have been received and cleared. XXXX checks have not been removed from the mailbox Previously checks have been received and cleared within 4 days. This is not the first issue with this company. I have had checks improperly recorded on amount and been charge service fees on payments made, recieved and recorded within 4 days within the billing cycle. These people should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus XXXX, Equifax, XXXX, and XXXX XXXX stated account name & Account #, XXXX XXXX IN  XXXX XXXX XXXX  XXXX XXXX IN XXXX ( XXXX ) XXXX identification number XXXX IRA, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 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 chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. 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 ws 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 15USC 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITICARDS IS REPORTING FALSE DATA TO XXXX & OTHER AGENCIES. 
FROM XXXX2020 TO XXXX2020. CITICARDS REPORTED A CREDIT BALANCE/LIMIT OF $ XXXX {$4100.00}. BUT MY LIMIT WAS REDUCED TO {$2500.00} ON XXXX ( w/ MY BALANCE BELOW THIS AMOUNT - SINCE XXXX2020 ). 

COMPLAINT FOR : CITICARDS CBNA XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Product: Checking or savings account

I opened a US bank, business and personal checking accounts. 

After several issues with the local branch I was working through, I had three credit applications submitted without my knowledge. 

That coupled with other issues, I closed, my personal account. Without owing any fees or balances. 

Soon there after, I needed to send a time sensitive business wire. 
I was told the only way new funds would be availed if it were cash. So I went to another one my banks, who didnt allow international wires with the account type I had with them, and carried the funds to the US bank branch in question.

Upon attempting to deposit the funds, they told me the wire wouldnt be able to sent until the next day potentially longer. Completely different then what was told to me on the phone.

This branch was a 2 hour drive from where I lived at the time. 

Due to this I requested immediate closer of my account. 

Today I attempted to open an account with US Bank for one of my different businesses. 

It was declined for : In reviewing your application, we noticed inconsistencies in the information provided. Although we tried to verify the information, an account can not be opened for you at this time. 

There were no inconsistencies. I called the number given via their email. After being transferred twice and being on the call for an hour, the representative simply stated I breached terms of service, and would not be able to open another account with US Bank moving forward. When I inquired what I had done to breach, no reason was given, simply they could provide a copy of terms of service. 

I read a copy of the terms of service, to which I could not find any reasons as to why I would not be allowed. 

I closed it in good standing, without owing any balances. 

I fill this decline is discriminating against me, and my previous account was inaccurately notated due to the complaint I filed about the issues with that branch.
Product: Credit reporting or other personal consumer reports

I got indication that I have things on my credit report that I have not authorized.i also have a issue with someone managing and using my phone, email, social media accounts and in XXXX I had a problem with someone stealing money off my XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems regarding being a victim of identity theft. The following inquiries viewed by others and only by you currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, Michigan XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The inquiries are all fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to JP Morgan Chase, in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD utilizing the services of JP Morgan Chase. 
Money was transferred from my account via Wire transfer and through an intermediary named " XXXX ''
Product: Debt collection

My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to Evergreen Financial. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 years ago I had a charge off on my XXXX XXXX.I have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am ruined.I 'm XXXX XXXX old and this is a death sentence to me... I can't get Experian or XXXX to do anything.
Product: Debt collection

In XXXX and XXXX, my XXXX XXXX XXXX account was compromised by fraud. It took me over a month to get everything settled and the account properly closed with them. In the middle of that, I had used a XXXX gas reward card that debits from this account. The funds were declined because all transactions had been placed on a security hold. When this card issued by XXXX is refused, it immediately goes to a XXXX company called Checkredi of Kentucky for collections. I was finally able to settle this account on XX/XX/XXXX and gave them my new bank info. They released the hold on my card and I was allowed to use it again. I used it on XX/XX/XXXX and purchased gas. I received an email on XX/XX/XXXX that the funds did not go through. I contacted Checkredi and discovered that they still had the account tied to the closed XXXX XXXX account and had NOT updated it. I have paid them the {$58.00} that was owed for the gas. I also contacted XXXX for help and they made sure that the account was updated and corrected. But Checkredi REFUSES to waive the {$30.00} fee that they charged in this matter. I do not feel I should have to pay this in this instance. I thought when they deducted money from the correct account on XX/XX/XXXX that it was updated. Then I find out later that it was not. And when I contact them, whichever person I am speaking to asks as if I am personally blaming them. Or they want to point fingers at XXXX or stand on their laurels that they are within their rights to charge NSF fees in their state. They do not even listen to the extenuating circumstances on this matter. 

Please intercede on my behalf.
Product: Student loan

My student loan servicer takes payment but wont credit my account. I will provide you documents. My payment was traced. They cashed the money order on XX/XX/XXXX. They told me they lost the money and refuse to credit the account until they figure out where the money went.I have talked to them over XXXX  times. I am XXXX XXXX my provider is Nelnet-serviced account, XXXX Nelnet.com and XXXX Mail payments to U.S. Department of Education XXXX XXXX XXXX XXXX, OR  XXXX by email ( XXXX ), The attachments I have sent you are receipt proofs of documents, they have these as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to all 3 credit bureaus, Equifax, XXXX and XXXX and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Product: Debt collection

I received a collection letter from a law firm representing XXXX XXXX. They claim I owe {$14000.00}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed 17 years ago, not my current name. I was divorced in XXXX of XXXX. I have a credit card with XXXX, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. XXXX had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.
Product: Checking or savings account

On XX/XX/2018 I noticed my account was overdrafted. I transferred funds from a external account to cover the over draft. Before doing so I transferred over a test transfer to make sure the funds where going to be available and there would be no delays. There were no delays as it showed in my present and available funds. I then proceeded to transfer over 100 dollars and again it was showing in my present and available balance. Before logging out of my mobile banking my account was at a positive balance. The follow day I logged into my account and it showed 3 nsf fees. I contacted the bank and they said there was nothing they could do. I escalated it to a manager and again I was told there was nothing they could do. I have called several time and I have been told the same thing. Had I known that the funds were not going to cover the negative balance I would have deposited cash but because my account was in a good standing before logging out I felt comfortable and confident that I was not going to be penalized.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 
Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my XXXX  listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE
Product: Credit reporting or other personal consumer reports

I was prompted to pull my credit report after recently learning that my information was leaked in the XXXX data breach. I see personal information and accounts on my report that do not belong there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}XX/XX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX , XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020