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

XXXX XXXX  didn't refund my money back to me or let me ride the bus so I had to pay more money to get to my destination and my bank gave me the money temporarily and took it back from me when I don't think that's fair. 

XXXX was supposed to send me multiple items to me and I gave her over {$300.00} dollars and she didn't send me the merchandise, I also contacted my bank about this and I did not get the items at all. 


A random company I bought from through my XXXX XXXX and they didn't send me any items either and my bank also took those funds back from me. I would honestly like to make a claim to my bank for wrongfully doing this to me. My mailing address changed so all of my letters from Chase bank got forwarded back to them and I think this is all uncalled for and I want all of my funds back that were taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX XX/XX/XXXX tried to pay back the loan but charged me outrageous rates.
Product: Debt collection

I am a single mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX I received a fraud alert text from Citibank asking me if Id attempted 2 transactions with XXXX, each over {$2000.00}. I immediately replied NO. I then went to check my account online and saw 3 pending charges, the 2 I just mentioned and a small charge for {$.00} which is how fraud usually occurs by initially trying to deduct a small amount first. I immediately called Citi Fraud department. I was put on hold for over an hour and then finally spoke with someone who barely spoke XXXX. They told me that since the charges were pending they would not go through since they were unauthorized. Nonetheless on XX/XX/XXXX, the charges were posted against my account! Citi was completely negligent in allowing this. I called the fraud department again. I was put on an hour hold again. When I finally got through I was told by the agent that they would be opening an investigation and that I could not get my money back until that was completed. They said theyd be sending me forms by mail to fill out attesting that these charges were not mine nor made by anyone using my card. My card was in my wallet at the time I got the initial text so I knew that was not the case. Days go by, I receive not one shred of paper regarding a so-called investigation. I call the fraud department again. They transfer me to the dispute department. They tell me that within 10 business days I should get a provisional credit pending the investigation?! A few days later I do in fact get a credit back in my account for one of the 2 unauthorized transactions. However, not a word about the second one and still no mail from Citibank regarding any investigation. I call every day asking for the status. Im given 10 answers by 10 different people. I repeat my story over and over again from the start as if they have no record of any of it. It is XX/XX/XXXX today and Im still out over {$2000.00} due to Citibanks complete incompetence and lack of following my instructions that these were UNAUTHORIZED transactions. I am at a loss as to what to do next. Citibank is not taking care of this under any time line. It is illegal to take money from my account without my permission. Yet that is exactly what they have done.
Product: Credit card

I am very upset with Discover as both myself and my family have been harassed by this company. My bill for this month was due on XXXX XXXX, but I did not get paid until today, XXXX XXXX, so I was going to be late on my payment and have to pay a late fee. This is an understandable situation considering I am in the process of moving so I did not have my usual extra savings to cover the bill. Unlike other banks who respect their customers and would wait a considerable amount of time to start repeatedly calling to collect the money, Discover Card was blowing up my phone non-stop with multiple calls from them daily within the first week of my payment being past due. Although that is upsetting, that is not my ultimate concern. My privacy has been violated by Discover cards and their employees because I received multiple calls from my mother ( who does not live with me, who I do not have listed on my Discover card as an authorized user, and who 's phone number I have never disclosed to Discover card ) telling me Discover was also harassing her, calling my parent 's house multiple times a day impeding my fathers business calls in order to try and receive money for this payment, that at this point was n't even XXXX weeks late. Does that seem a little ridiculous to any one else? Because I am completely appalled at the fact that they somehow found my mothers number, and without my consent, called her to receive money that she does not owe. There should have been absolutely none of my information disclosed to someone who is not on my account. Even if they somehow obtained my parents personal number, there is no reason that when my mother answered the phone, again someone who is not listed as an authorized user on my account, that she should have even been told that my account had been over drafted and had not been paid for that month. Then my XXXX mother who has enough financial issues of her own felt obligated to pay this past due amount ( payment made on XXXX XXXX, 2015 ) to avoid being continuously called and harassed by the Discover company. Overall, I am very displeased and angered by this occurrence and I would definitely not recommend Discover to anyone. My privacy has been violated by this company, and both my parents and myself have been continuously harassed after a bill that was due less than XXXX weeks ago. I am going to be canceling my card once it is paid off and sticking with my primary bank XXXX. I am looking for a resolution to this unfortunate situation
Product: Mortgage

On XX/XX/XXXX AmeriHome Mortgage have XXXX mortgage loans in my name with them. On XX/XX/XXXX I Refinance my mortgage with XXXX XXXXXXXX XXXX. I only had XXXX mortgage account. After closing my refinance mortgage with XXXX XXXX XXXX I find my mortgage account in more fraudulent activities with fraudulent documents being created. I continue to provide evidence in this matter of mortgage fraud that start with XXXX XXXX XXXX XXXX with they merge with XXXX XXXX and became title trustee on my property deed. This organization have changed my XXXX XXXX XXXX with my original mortgage information, and trying to cover-up the fact that they sold my property and is receiving profit that is being paid to investors. 
XXXX. Why have you added my mortgage loan that you said was Transferred from XXXX XXXX XXXX but the truth is my loan was sold on my closing date to AmeriHome Mortgage Company. Why is my mortgage in a debt collector with your company? 
I will be subpoena your documents for the court? 
XXXX. Why is it so important for me to sign in on line with this mortgage account? 
You charging me {$2.00}, because I pay by phone. 
XXXX. XX/XX/XXXX I called and your records indicates that my mail is being returned. 
Why when I have already verified information with your agent on the phone. 
XXXX. I always received mortgage statements that I continue to say look fraudulent XXXX. Why did AmeriHome Mortgage do a hard credit pull on my credit report on XX/XX/XXXX and on XX/XX/XXXX to different mortgage companies? 
I keep up with kind of information because of all the fraudulent activities and cover up. 
XXXX. I had no Mortgage Loans on my credit report from XX/XX/XXXX when I first refinance thur XX/XX/XXXX. 
Now I have more than XXXX or XXXX that have been added to my credit report. Because if my Refinance with XXXX XXXX XXXX Yes this is a Organization doing White collar crime. 
I need someone to look over my files and investigate, because this organization is violating my consumer rights. 
XXXX. Not receiving mail only what they want me to receive, court documents that say I owe XXXX XXXX XXXX over {$8500.00} and mail that I do not receive, until after they created, and present to someone, although I knew from the beginning. 
I'm going to file more case against this organization and name people. I noticed now you are not adding name that are addressing my complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AmeriHome Mortgage Company AmeriHome Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name on my credit report that was pulled and Company
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Afni INC XXXX XXXX  XXXX, XXXX, IL XXXX Reported to the credit bureau that I owed them money form and XXXX XXXX XXXX account. I have never heard of Afni nor received and correspondence stating I owed them money. I mailed Afni a letter return receipt requested asking for proof that I owed them any money as I have never had an XXXX XXXX XXXX account. 
I never heard anything back I fought the fictitious entry on my credit report and it was removed I then noted the XXXX XX/XX/XXXX settles with Afni for credit bureau reporting violations. 
Well afni is still doing it!!! Please DO SOMTHING ABOUT IT!!!!

The reported incorrect info to the credit bureaus about me.
Product: Credit card

U.S. Bank N.A. charges a usury amount of interest on the revolving debt of this account. They have neglected to perform, ongoing, due diligence on this account and have maintained a predatory level of interest despite the fact that the creditworthiness of the account holder is in the top 3 % of borrowers with regard to 'credit score. ' They have failed to take into account the payment history, and the fact that no balance has been carried for longer than 31 calendar days since XXXX XXXX. Additionally, no 'late ' pay has been registered on this account for over a decade and a half ( FY XXXX ). The interest rate ( APR ) on this account needs to be reexamined, readjusted, and reset to reflect the account holder 's creditworthiness.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated tore move these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XX/XX/XXXX ''
Product: Credit card or prepaid card

In direct contradiction to their cardholder agreement, American Express has refused to credit my account for a fraudulent transaction of {$10000.00} that was charged to my account on XX/XX/2018. 

Despite repeatedly contacting them for the past 9 months about this issue and making it abundantly clear that I have neither authorized nor aware of what this charge is -- regrettably as of this inquiry, I still have no resolution ( nor credit ) for this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance both the XXXX credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Debt collection

In XXXX of XXXX my fiancee and I returned a vehicle due to not being able to afford the payments. Later that year the started garnishment on her wages. That stopped when she went out of work due to the pandemic. In XXXX of XXXX the company seems to have hired a law firm to collect the debt. They have now started garnishment of my wages without contacting me but did so by contacting my employer. I have received no ability to contest and no amount they are trying to aquire. They will not receive or return my phone calls. They just take 25 % of my wages without any communication. I have attempted to contact the states attorney generals office but also with no return information. I can seem to get no answers about what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 reporting or other personal consumer reports

Please see attached JP Morgan Chase Is Inaccurately monitoring and misleading us to sell us XXXX XXXX  XXXX as well reporting sharing inaccurate info in reguards. stating I have poor late payments etc A LYE see attached
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed in my credit report. I am a victim of identity theft and did not make the charge. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Identity Theft Affidavit. Please delete these items as soon as possible
Product: Checking or savings account

On or about XX/XX/2020 the Manager Of Umpqua bank ( XXXX XXXX XXXX ) Branch Called My Home at XXXX to inform Me what I can Or Can not say on the Public sidewalk in front of the Umpqua Bank in XXXX branch??? Therefore I informed the new Manager She couldn't Tell Me What I can say on the Public Sidewalk!!! She sent me a letter that said My account is closed!!! It also said be sure to transfer Your Social Security Deposit to Your new financial institution ... I did what they said!!! They sent Me a partial payment of one of my accounts with no explanation of Where my money went ... XXXX I received A cashier 's check for $ XXXX of My $ XXXX Social Security had sent Me on XXXX with no explanation where the other monies from My Accounts Went??? It gets Deeper and More confusing for Me because I am XXXX ... I am an individual with Extraordinary Issues The New Manager Just Does not understand!!! Her Job is banking!!! My Job is Living with a XXXX that I do not understand well and Even the Drs. Barely Understand!!! I have been belittled and stollen from by the new manager at Umpqua Bank XXXX ... I went to XXXX Newest Bank ( XXXX ) and the old Manager of Umpqua Bank is there!!! I am Welcomed at ( XXXX ) with open arms!!! And my favorite tellers from Umpqua are at ( XXXX XXXX XXXX ) Too!!! I asked a teller why she changed banks from Being a teller at Umpqua to ( XXXX ) XXXX branch and She said She didn't like the New Manager at Umpqua Bank of XXXX XXXX  Branch!!! Hmmm ... Imagine that???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name:XXXX  XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Account and Associated Inquiries on XXXX Credit Report Dear Sir/Madam , I am writing to formally dispute the information listed on my XXXX credit report, specifically regarding a derogatory account and associated inquiries. Despite my efforts to rectify this matter directly with the creditors, I have been unsuccessful in achieving a resolution. 

Below are the details of the disputed account and inquiries : XXXX XXXX XXXX Derogatory Account : - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - **Status : ** Closed - **Balance : XXXX {$4800.00} ( 120 % of credit limit ) - **Credit Limit : ** {$4000.00} - **Monthly Payment : ** {$190.00} - **Opened : ** XXXX XXXX, XXXX - **Payment History : ** 75 % of payments made on time - **Last Payment : ** XXXX XXXX, XXXX - **Current Payment Status : ** XXXX Days Late - **Amount Past Due : ** {$820.00} - **Worst Payment Status : ** XXXX Days Late - **Account Status : ** Closed - **Type : ** Credit Card - **Responsibility : ** Individual - **Remarks : ** Canceled by credit grantor - **Times 30/60/90 Days Late : ** XXXX - **Closed : ** XXXX. XXXX, XXXX - **Creditor Information : ** XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX DE XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX Associated Inquiries : 1. XXXX - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX - Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX I have made multiple attempts to address the discrepancies and resolve this issue directly with the creditors involved, but to no avail. The derogatory account and associated inquiries are negatively impacting my creditworthiness and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and assist me in disputing the accuracy of the derogatory account and associated inquiries on my XXXX credit report. Additionally, I request your guidance on the appropriate steps to take to rectify this situation and ensure the accuracy of my credit information. 

Enclosed are copies of any relevant documents supporting my claim, including correspondence with the creditors and evidence of my attempts to resolve the issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these discrepancies and restoring the accuracy of my credit report. 

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

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XX/XX/year> {$680.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX