23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/ {$27.00} for a transaction on XXXX XXXX XXXX 
XX/XX/3 {$27.00} for a transaction on XXXX XXXX XXXX XXXX XXXX XXXX {$27.00} for a transaction on XX/XX/2023. 

I visited a priority pass airport lounge on XX/XX/XXXX  with 2 guests ( spouse and daughter ) and was supposed to be free as my card includes 2 guest + self for free. I visited a restaurant within priority pass on XX/XX/2023 with 2 guests ( spouse and daughter ) which should have also had been free. 

Contacted chase and they wont dispute or refund the charges and also claim to have no visibility into why I was charged these fees and so late. They also confirmed 2 guest should be free per card benefit for priority pass.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXXI Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. This account was never late XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  XXXX Account Number : XXXX Delete this account. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I went to One Main Financial to make my payoff balance of {$1600.00} using a electronic check from my checking I was inform by representative that my payment would post to my account XX/XX/2022. My payment still have not posted and I dont want to accrued anymore interest on this loan.
Product: Debt collection

I have told this company repeatedly to stop contacting me. They continue to do so from random numbers. When I tell them I want to speak to a supervisor they tell me there isnt one available. 

I am beyond frustrated with being harassed by these people. Especially when I have asked for validation of said debt and they have no provided one.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed an dispute because money was moved from my account to an XXXX XXXX or some type of pay they didnt give me all the information I explained to them that the money wasnt in my account and they said they were going to investigate it and never sent me again and I called and they reopened the case and denied it again and I asked for the information they verified to make the decision they made
Product: Debt collection

after being XXXX injured almost 5 yrs ago my husband is completely XXXX, he spent 67 days XXXX. and 32 days XXXX, 2 yrs ago XXXX sued him [ g e money bank original credit card ] we explained how we now live off of XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in Pa. is there anything I can do. thankyou,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying to the US SBA Office of Disaster Assistance for an Economic Injury Disaster Loan. They have placed four inquiries on my CBR as they are probably refreshing the information as my application goes through the necessary channels.

Experian is reporting this as four separate inquiries, when in fact, it should only be one inquiry. I have tried to bring this to their attention and have received that this is 'not disputable. ' Thank you for being here.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureas will investigate this account for me to ensure its complete accuracy. Here is the account I am asking you to investigate. XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent letters to 3 of my capital one accounts back in XXXX, the request was to remove negative remarks, account status rating shows derogatory and I went on a payment plan with capital one, all accounts have been paid and should reflect that with all 3 bureaus,
Product: Debt collection

I have been trying to get this resolved since I noticed it on my report once I opened escrow. This debt was a result of a furniture store delivering the wrong and broken Item to me, I did not allow them to leave the item and they are still charging me for the item. The furniture store also claimed the full {$1500.00} I was approved for but I only ordered a {$700.00} item that of the {$1500.00} and once it got to me it was damaged thats why I never took possession of the item. Now Duvera has derogatory charges to my report in the amount of {$3500.00} being reported negatively since XX/XX/2018 to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

amt on report is in error, its over 2 yrs old outdated, this XXXX XXXX XXXX keeps giving if to different cr reporting agencies
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX attempted to reach out to me about a debt that was owed to XXXX XXXX XXXXt. However, to my knowledge I had no outstanding debts the creditor.

When I called XXXX XXXX to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX  and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.
Product: Mortgage

In XXXX of XXXX, Ocwen Mortgage increased my monthly mortgage payment from {$2100.00} a month to {$2400.00} month, an increased difference of {$330.00}. I contacted OCWEN customer service and they claim that the increased was for a data analysis of my account, which was not performed in XXXX non-payment of approximately XXXX from escrow account ( homeowner insurance and county property taxes ). Although I have had Ocwen as my mortgage company since the beginning of XXXX and they had made payments to the insurance company and county through the escrow account since XXXX and I have incorporated the escrow in my mortgage payments and have paid my mortgage on time to Ocwen since XXXX. Ocwen claim that my escrow account was in the negative and the increase was required to pay the balance of the escrow of {$3400.00}. This recent increase in escrow payment does not appear to be legitimate and shows that fraud is occurring within Ocwen. The explanation by the Ocwen representative did not make any sense, since payments are suppose to be paid each year to the insurance company and county and has been paid my mortgage holders, since I purchased my house in XXXX of XXXX. I have never heard of any mortgage company increasing an escrow account by this much and let alone indicating that my account was in the negative, when payments are being made to pay for the escrow accounts.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and Transition reported inaccurate information when an allege debt is in litigation which is a violation of federal law XXXX XXXX XXXX permissible purpose. everything the credit bureaus report, they must report accurate information. XXXX XXXX authorize positive, settle negative practices and the subsequent charging of overdraft fees were not only unfair, but they also caused substantial harm to consumers. More overt, in many cases, consumers were charged an overdraft fee completely unaware of XXXX XXXX complex processes related to the posting of transactions and whether they will incur an overdraft fee. 

XXXX practices and an overreliance on overdraft and non-sufficient fees are counter to the credit union systems statutory mission of meeting the credit and savings needs of their members especially those of modest means. XXXX XXXX member-owners have the right to know about any fees and practices that affect their hard-earned savings and credit unions owe it to their members to be transparent. The settlement with XXXX XXXX underscores the importance of ensuring fair and responsible treatment of consumers and protecting consumers from predatory business practices. 

The CFPB ordered XXXX XXXX XXXX XXXX to pay more than {$80.00} XXXX to reimburse members and a {$15.00} XXXX penalty to the XXXX This is an external link to a website belonging to another federal agency, private organization, or commercial entity. victims relief fund ( Opens new window ).
Product: Credit card or prepaid card

After I got my final paycheck from my company, I logged in to my credit card account and tried to make a payment. 

Then I found my account was closed by Citi. 

I was trying to call them, but no one answered the call, I tried to call moreover 20 times.

A few days later, I got the letter from the bank, it showed my account was closed due to " one or more late or returned payments in the past XXXX months ''. 

But since I used the card from 2017, I never missed any payment, but recently I got laid off due to COVID-19 from my company, and the processing of deposit check was delayed, which only caused ONE returned payment. After I got it deposited into my checking account, I already re-made the payment immediately.

But this is really unacceptable that closing my account without ANY notice and even asking. 

At the same time, I have almost XXXX XXXX XXXX on my account, which values at least {$300.00}. But I couldn't even access them, and also no one answered the call from that department. 

I'm really disappointed about the way they did, other banks are taking action when their customers are experiencing a hard time and help us through the special rough time. 

And Citibank did charge me a {$25.00} return payment fee, which is okay and reasonable. But what I can't understand is, they closed my account at this specific hard period even though they already charged me. But at the same time, the US government and other banks issue many acts and waivers to help every people affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company AD Astra Recovery .The amount should be zero.It was paid off .But they did not take off my credit. And stay they sold to there company And other is a fault. I never use the company and do n't on came on my credit score. An d you see that they has same number  XXXX   XXXX   XXXX   XXXX   XXXX  account number  XXXX  and  other a ccount number is  XXXX  .And they have been try to same account number but change the number.This have been going on for over ten years or more
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report # XXXX. I have only XXXX current address beginning with XXXX XXXX  all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts As well as the following inquiries made in my name need 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 XXXXQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my Equifax credit report the begining of XX/XX/2023 and saw an account that was in collections for $ {$590.00} owed and the original amount was {$1300.00}. I also saw that my credit score on Equifax was horribly low around XXXX due to that collections! That account does not belong to me. I had no idea what the account was or who it belonged to. I could not see the full detailed information on the, so I had to get a full credit report to see the account was posted by a collection agency XXXX XXXX XXXX for XXXX XXXX for a medical bill for an account ending in XXXX for XXXX or XXXX XXXX. The collections had been on my credit report as a collection account since at least XX/XX/2023. It states on the collections it went into collections XX/XX/2023. I had no idea this account was on my credit report all this time, because I only check my XXXX credit report and didn't check Equifax untilXX/XX/2023. I do not have any medical bills, obligations or anything with XXXX XXXX, and the account nor the bill is mine. I contacted XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX and again several other times since telling her it is not my account and they need to remove it from my account. I was denied personal and business credit due to this collections being on my account. I had no idea. XXXX XXXX told me they would have it removed and it is still there. She sent me a letter from XXXX stating it would be removed and that is was paid. I told her I have nothing to do with that account and it should not be associated with me and my credit at all and that the letter should state it was put wrongly put on my account. The account is still on my credit report and still as a collections reported twice, in two places, on my Equifax credit report. It is illegal for them to put an account on my credit report that is not mine. Unfortunately I had to prove the account was not mine, not my responsiblity and yet they still have not removed it. This is not my account, I never signed as guarantor, never took any financial responsiblity nor did I know anything about the account bills, it going into collections nor being on my credit report. XXXX XXXX and XXXX XXXX knew the account was not my account and XXXX should have known too. I do not know how they get away with doing this. It should be against the law and they, both XXXX XXXX XXXX and XXXX, should be heavily fined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report. 

I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing TransUnion and XXXX of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, XXXX updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates XXXX 's uncertainty about the accurate debt amount. 

In my reply to XXXX on the same day, XX/XX/XXXX, I asked for concrete proof of debt notification and validation. They claimed to have " no record of that letter being returned undelivered and no record of me disputing the debt or requesting validation during the XXXX period. '' It's unsurprising that they have no records, considering they never sent anything. What record could they possibly have? If you sent it by certified mail, why are you unable to provide the receipt? 

However, their response on XX/XX/XXXX failed to offer any evidence of notification, lacking a certified mail receipt or any supporting documentation. Instead, XXXX provided a validation of debt that contradicted the amount reported just XXXX days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, XXXX failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} nor was it {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, XXXX 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both Transunion and XXXX further solidify that none of the involved parties are performing any meaningful investigation or verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, and 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection account off with XXXX XXXX credit card. Through their collection agency fbcs I was offered a settlement of {$1000.00} I paid it on XXXX through my bank. After I paid it ; I waited about a week or so. I then called fbcs regarding deleting XXXX from my credit report. I was told by a customer service rep they don't delete accounts from credit reports. They don't report to any of the 3 credit bureau, so I contacted XXXX. I was told that XXXX can't remain on my credit report if my account was sold to a collection agency. They can't do both it either or. I then contacted my bank to have the charges reversed since they wasn't going to delete the account from my credit report. I'm trying to do the right thing by paying something toward my bad debt account. I thought if the account was put in collection/ write off as bad debt they couldn't still report the account with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
Product: Checking or savings account

citibank closed my accound and not send me a check