23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a XXXX XXXX  dispute. I am a victim of XXXX. The adverse information, which appears on my credit report, is the result of that XXXX. I asked Equifax to please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Equifax did not block or remove the adverse information. I submitted all required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for all my accounts in XXXX of XXXX, subsequently the XXXX XXXX XXXX XXXX XXXXXXXX was disputed as well for inaccurate reporting. Although, I disputed the type of account and the way the information was reported in the payment history. I have attached a copy highlighting this erroneous furnishing. Please look at how the months of XXXX of XXXX goes from a 120 days late to 90 days late then back to 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX EQUIFAX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT BALANCE XXXX CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX  XXXX ... PAIDED IN FULL XXXX XXXX XXXX INCORRECT BALANCE XXXX XXXX XXXX INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a **1099-C Cancellation of Debt** form for the balance they wrote off. However, I have not received a **1099-C** form from XXXX XXXX XXXX XXXX for this debt . 

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **Section 1681i**, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report.

Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.
Product: Checking or savings account

I began receiving statements from Chase bank in XXXX, XXXX, regarding a checking account with insufficient funds and a fee for overdraft services. I did not, nor have I ever, had a checking or any other account with Chase Bank. These fraudulent accounts were opened in my former name. I have filed reports with the IRS, Consumer Federal Trade Commission, my local police department, as well as contacted the company numerous times with attempts to clear this fraudulent mess up. I have completed the fraud identify packet sent to me through Chase Bank, by faxing the information XXXX times, as well as certified mailing the packet twice. I have contacted several numbers given on the statements sent by Chase Bank, only to be disconnected several times, and to not have my calls returned ( until XXXX XXXX, XXXX ) by " XXXX '', who is the person in charge of investigating my claim. I have even received a check for {$85.00} for the balance on one of these accounts, which I disposed of after making a copy of it. This week, I received a statement from Chase for Interest earned in the amount of {$220.00} on the accounts I didn't open. They told me this information is being provided to the IRS. I recently found out that I am a victim of the XXXX data breach, and have filed a report regarding the matter. I am looking for closure to this circumstance, and have taken measures to contact all three credit reporting agencies to stop any further fraudulent activity related to my name.
Product: Checking or savings account

It is my fault that my account became in overdrafted  XXXX   XXXX . I lost track of what had and had not been deducted.  The Charges Float and  transactions do n't appear for days -- making it difficult to estimate how accurate my online checking is. My account overdrafted, payment where returned/ denied. I transferred funds and payed the  $ 200+ in  fees for every specific over draft item on  XXXX   XXXX .     What I can not accept is when the company, without my authorization allowed other companies they rejected payments from to   Retry Pymts, which in effect created another {$200.00} in fees to stack up only a few days after bringing my account to balance. I would have closed my account if I thought something like this would happen.
Fifth Third Bank does not record charges and purchases on ATM or debit cards in the order they actually occurred, they allow charges to float for days, then reorder them to suit their overdraft system. The Charges Float and   transactions do n't appear fo  r days -- making it difficult to estimate how accurate my online checking is. Fifth Third Bank reorders the charges and purchases so that the largest charge or purchase is the first one paid by the bank, and uses the smaller ones to rack up overdraft fees of {$37.00} each.
They did this to me twice in less than a week. They over-use the Return Item/Overdraft, then allow indefinite Retry Pymts r  equests to be processed, even when its already in overdraft, stacking up fees of {$37.00} for each retry payment, which they allow without my authorization. They should limit the numbers of retrys.     I would prefer my account just be denied use if it is over-drafted. Its not just to charge an account that is already in over draft several times more there after. This company is close to charging {$400.00} in fees in less  than one w eek. I want to cancel my primary checking account.     Customer service informed me that I must keep my primary checking to deposit my pay-checks in a timely manner. I will switch all my charges to my express checking account, becaus e 5th 3rd customer s ervice has assured me that that account will not allow overdrafts, or overdraft fees to stack up like my current primary checking.     When I receive my next pay-check on Thursday  XXXX   XXXX    XXXX   I will deposit it into my account and let the cash sit in there for a couple days to catch the rest of these floating repayments. I will go through every third pay system and delete the primary checking account number.     I feel like the second + {$200.00} dollars in fees they have applied to me is unfair and unjust, especially because I had no control over authorizing the  Retry Pymts requ ests.
Product: Credit reporting or other personal consumer reports

after few dispute letters and request a copy of the singed contract and XXXX for the charge off that they never provide me with.a fraud alert in been placed in my credit report since XXXX.
Product: Credit card or prepaid card

I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. 

I noticed a few days later that my payment had not been pulled from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. 

On XX/XX/XXXX, I noticed that Wells Fargo still had not pulled my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. 

At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. 

Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. 

I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$63.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXX  Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX in XXXX. As soon as I rolled off the lot I begin to have mechanical issues. I had to replace the ignition switch, the timing belt and the water pump. The AC & heat also was not properly functioning. I contact the dealership numerous times explaining the situation. I spoke with XXXX the supervisor and was informed that if I could bring the car back and wouldn't be responsible to it anymore. I not to knowledgeable about this process. However I feel that I was deceived and taken advantage of regarding the purchase of the car. I return the car and was notified about the balance after I was told I could just return the car and that would be it. My wife was ill and recently died- it was difficult for me to get to work with all the mechanical issues.A judgement was filed in the amount of {$6000.00} including court cost. The blue book value of the car is $ XXXX {$1800.00}. I am not negating my responsibility however I don't think it's right or fair after I had been lied and still responsible to a lemon.This account was turned over to Stone Higgs & Drexler XXXX and they refused to assist me with reducing the debt and making payment arrangements.
Product: Credit reporting or other personal consumer reports

I requested Equifax to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Equifax of the Fraud, Equifax responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the XXXX XXXX which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} Charge off + {$19000.00} Balance which is a total of {$51000.00}. I never owed that much money! Not even close!!! I did find out that XXXX and XXXX XXXX are XXXX of Equifax 's biggest customers and have learned through similar law suits that Equifax " Favors '' it's largest, highest paying clients in dispute matters. Equifax has allowed this Fraud to continue for over XXXX  months now. CFPB, you will see that this is a Fraudulent act, committed by Equifax to make sure it keeps it's highest paying customers happy. After Equifax allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Equifax continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Equifax. The next question I have will show the Fraud by Equifax and what I would like the CFPB and Equifax to address ... *****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX XXXX I only owed {$32000.00} ( Attached ), *****Why is CARMAX collecting {$51000.00}??? ********* They have a XXXX of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! CFPB needs to get involved and penalize Equifax for allowing false entries for it's favorite customers. This is my XXXX dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After XXXX  months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Equifax Account, or face prosecution for damages to my credit history. XXXX has already removed from my report and reported the fraud. Equifax is committing fraud to please its paying customers REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? XXXX OBEY THE LAW! REMOVE IT, NOW!
Product: Checking or savings account

I 'm unable to open either a business and or personal account with XXXX XXXX XXXX and I 'm completely confused as to why. I 've had no record of abuse with XXXX XXXX XXXX and I 'm being treated unfairly and would love to be a XXXX XXXX XXXX Customer.
Product: Mortgage

Received documents from XXXX XXXX Lakeview loan Servicing regarding my mortgage. 
My current mortgage servicer is XXXX XXXX  upon receiving these documents I called XXXX XXXX. Spoke with XXXX ID # KDO Loss Mitigation, the Covid-19 modification was approved XXXX XXXX, 2022. XXXX XXXX  is processing the modification documents to be mailed to me she said the documents would state the modification terms. I have also read that when you receive documents for the same mortgage loan from to different servicers its dual tracking and that is a mortgage violation. 
I have not received foreclosure documents XXXX rate the debt documents. 
XXXX was my servicer for several years they approved the loan for several trial modification of which I paid the trial payments. Upon the XXXX payment being made they would cancel my modifications. Finally, after several complaints my servicer changed to XXXX XXXX LN # XXXX.
Product: Debt collection

1. I was contacted by Chapman Financial Services via phone regarding a debt from XXXX XXXX 2 years prior for {$24.00}. I was asked for my mailing address and gave my XXXX XXXX . ( They lied ) saying they could only send mail to a physical address. 2. I received a collection notice stating the amount owed was {$20.00} and {$3.00} in interest. NOTE : the original has no wording for interest on unpaid debt. 3. I responded to the letter denying any debt and asked for verification I also told them to Stop all other communication other than mail. 4. I later received an undated letter claiming to be a statement from the original company. In fact the paper was an incomplete accounting printout. 5. After finding the original statement and check copy I responded to CFS including the original statement showing the amount due for ( TOTAL CHARGES ) and the check copy proving the due total was paid in full. I again requested verification of the claimed debt in the form of a bill or statement 6. XX/XX/XXXX I received a call from XXXX with CFS ( against my Instruction for mail only ) 7. My husband called XXXX the same day in an attempt to get information and was told we had all the required information and was told the note in the file would read " refusal to pay '' His response was that was a lie and if the debt was accurate it would be paid if the proper documentation was provided. The response was she was going to note " refusal to pay '' ( a lie ) 8.I contacted the original company giving them my personal information. XXXX XXXX confirmed there were no outstanding debts and this particular statement was paid in full XX/XX/XXXX. 9.I responded with another letter requesting proof of debt other than a company printout. My letter has also noted to place the claim in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

Reported late as on XX/XX/2021 XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 a account without my written instructions
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # 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 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: Credit card or prepaid card

Hi, Citi bank unilaterally closed my credit card with them, shortly after I paid the annual membership fee of {$490.00}, and has refused to refund me the annual membership fee. 

I have had a Citi prestige card with Citi for 5 or 6 years now, and have paid the annual fee each year ( except for the first year where it was waived ). Each year I pay {$490.00} for the card, which I consider a sizeable fee, to avail the services for the full year. 

This year, on XX/XX/2021 Citi charged me the annual fee of {$490.00}. Subsequently, on XX/XX/2021, they sent me a message that my account was going to be closed - a unilateral decision on their end, because my billing address is outside of the United States and their policies serving non-US based customers has changed. 

Even though they cancelled my card shortly after I paid the fee, they are unwilling to refund my annual fee. I have called multiple times and sent multiple emails. Basically I paid {$490.00} with the expectation I would have my credit card for a year, and they are only providing 2-3 months of service, and are not wiling to giving me my money back! 

This is extremely unfair and that I've been tricked out of {$490.00}. I have had some sympathy from the Citi customer service team but they have NOT refunded me the fee. One representative tried to initiative a refund, and in fact I received an email saying that they tried to initiate it, but was later informed that their back office rejected it and the refund was never paid. There seems to be a clear mandate from their operations team to not issue this refund. 

I would appreciate if you could help resolve the matter.
Product: Credit card

USAA representative kept telling me that an interest charge is not a finance charge. Based on this, and other misleading statements, I decided to cancel the card. It took me almost 30 minutes, and verbal abuse in order to cancel the card. I am a veteran
Product: Debt collection

I received a debt collection letter from Portfolio Recovery Associates ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XXXX as shown on credit report from XXXX ( SEE 2 ). Also the XXXX date is evidenced by letter from XXXX XXXX XXXX ( SEE 3 ). The outdated XXXX XXXX debt from XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX   XXXX XXXX ( SEE 4 ), and XXXX XXXX  ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX   XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX  did not issue a new credit card to me after the XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.