23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted Citi to tell them there is 5 fraud charges on my Citi XXXX Visa credit card. When I first told them this they marked all the charges and items i didn't receive a month later I told them again it was suppose to be fraud and then Citi put it as fraud but closed the disputes and claim they came from me which they didn't. I lost my card at one of the bars i was at on XXXX XXXX.The first fraud charge is on XX/XX/2018 from XXXX  in the amount of XXXX dollars. Second and third fraud charges were on the same day, XX/XX/2018 from XXXX XXXX for XXXX dollars and XXXX XXXX for XXXX dollars. Last 2 fraud charges were done on XX/XX/2018 from XXXX XXXX XXXX amount is XXXX and the other amount is XXXX. I am also being charged a interest charge for XXXX and two late fees of XXXX dollars each. I called Citi several times and they are still no help. I also told Citi issued me a new credit card but there not helping me with these fraud charges on my account and just keep giving me the run around and even closed my account now. I wrote them a letter stating It was all fraud but still never heard back and when I call I get no help.
Product: Debt collection

Will not disclose information needed to settle medical bill. 

I have been contacted by RMCB regarding services rendered at XXXX. 
I have requested information regarding this claim to no avail. 
We have medical insurance that will cover this. 
If they are not able to submit the claim, they will need to provide me with all the information needed to do so. 

Thanks and XXXX Bless You
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presumed that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( Please remove these accounts before I seek legal litigation for defamation of character ) XXXX XXXX balance {$6100.00}, XXXX XXXX  balance {$5400.00}, XXXX XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX balance {$13000.00}, XXXX XXXX XXXX balance {$1900.00}. XXXX XXXX  balance {$810.00}, XXXX XXXX XXXX balance {$370.00}, XXXX XXXX XXXX balance {$67.00}, XXXX XXXX  balance {$610.00},
Product: Debt collection

I paid the balance on XX/XX/XXXX. They said that they would report on XXXX XXXX XXXX that it was paid in full. Its still showing as unpaid on my reports. I have disputed it with all three bureaus and they still refuse to remove it even though I can show the transaction where I paid the debt.
Product: Student loan

When the Temporary Expanded Certification and Application ( TEPSLF ) was announced for Public Service Loan Forgiveness ( PSLF ), I contacted XXXX XXXX XXXX  and asked what I needed to do prior to submitting my application. 

I was told by XXXX XXXX XXXX  to transfer to Mohela as my provider and to consolidate 2 small loans, but that the rest of my student loans would qualify without consolidation. 

On XX/XX/XXXX, my principal signed the TEPSLF certifying that I have worked full time ( 45 hours per week ) in a qualifying position since XX/XX/XXXX. 

On XX/XX/XXXX, Mohela Student Loan Provider processed my TEPSLF. I waited the 90 days for my Payment Tracker to show that I have been working in public service since XX/XX/XXXX. 

On XX/XX/XXXX, I logged on to Mohela 's web portal to check my payment counts. Only 3 payments, from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are marked as " qualifying. '' My other payments are not even listed, let alone marked as qualifying or unqualifying. 

This is egregiously inaccurate. I have worked in public service since XXXX and do not understand why 1 ) my service during those 3 months qualified, but none of my other service qualified, and 2 ) why my other payments, including those that applied to EVERYONE during the loan repayment pause, do not show as either qualifying or non-qualifying. 

I have reached out to Mohela and keep getting bounced between people who say they're not sure what to do.
Product: Checking or savings account

that I was Racially profiled and discriminated against today at the JPMorgan Chase Consumer Banking XXXX XXXX XXXX XXXX XXXX Sterling Heights XXXX MI XXXX by a bank teller named XXXX. I came to the branch to day to withdraw {$14000.00}. I filled out and handed the tell my withdrawal slip with my drivers license and put my ATM card in the reader and entered my pin. XXXX stated do you know how much money is in this account I need to verify who you are employed by as well as the last deposit amount to give you this type of money. Implying a minority person is not capable of having or obtaining a certain amount of money in their account. He then proceeded to have me verify all of my contact information in the system. Then question why I need that amount of money what is my age. I asked him when did customers have to do all of this to get money out of their account. He stated that is the company policy and has always been company policy. I informed him that I have never had to do this at any other branch, and I have taken larger amounts out before. He then left the counter to talk to a banker they banker he talked to knew me and I guess gave him the ok to release my funds to me. When I was waiting at the counter another gentleman approached the teller next to me and asked to withdraw more than the {$14000.00}, I asked for and that teller did not ask him any of the questions XXXX asked me. That gentleman finished his transaction and walked away while I still was waiting on XXXX to get back to the teller counter
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 

XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}
Product: Checking or savings account

I opened a new business checking account for my company, XXXX XXXX, XXXX. I was told when I opened the account that I would be eligible to receive a cash bonus after depositing a certain amount of funds into the new account. I called the customer service number XXXX on XX/XX/XXXX to get details about this offer. The customer service agent I spoke to repeatedly lied to me and told me that there was no such offer and that BofA does not have any program to give cash bonuses for opening new business checking accounts. Even when I pointed him to the BofA website where it shows that this promotion exists, he denied that it was true and continued to insist that there is no such program. After an extensive back and forth conversation where I became increasingly frustrated with his lies, I demanded that the account be closed. 

On XX/XX/XXXX I then received a letter in the mail from BofA telling me that because I had opened a new business checking account that I was eligible to receive a cash bonus of either {$250.00}, {$500.00}, or {$1000.00} dollars for depositing {$5000.00}, {$10000.00}, or {$20000.00} into the account. Confirming that I had been correct all along and that the customer service agent I spoke to had lied to me. 

Because of his lies, I have no lost the opportunity to take advantage of this offer. Further, it is my understanding that because I have opened and then closed an account with BofA, that even if I were to open a new account with BofA in the future, I would no longer be considered a " new customer '' and as such, I will be permanently ineligible to receive any new customer promotion that BofA might offer in the future. 

I consider the customer service agents behavior to be a XXXX violation.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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

Ive noticed collection accounts on my Experian Credit Report that are unrecognizable. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

We used XXXX HomeOwners insurance and we have been turned over to collections. I have already disputed this via written letter however ; I am still receiving harassing 's communication. We sold our home and we were provided a credit due to the sale of the home which was included in the closing documents. We were even provided a refund by travelers. I am not sure how their records are prompting this harrassment but this account needs to be closed and we need to be left alone. They turned this debt over to Credit Collection Services- XXXX XXXX XXXX XXXX XXXX MA XXXX. I have since disputed this debt directly with them but it seems like that fell through the cracks.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I would like to join the lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I received a notification that there was a Pay Friends transfer in my Chime banking account. I knew that I hadnt made ANY transfers and had my phone in my possession at all times. I logged in my account and {$740.00} had been transferred that was NOT authorized. 
I immediately disputed the item via online AND by phone. I was told to complete a form, which I compiled immediately and returned via email. Im not being told that it could take up to 90 days and that it is doubtful that Ill receive a credit. This was transfer to another Chime account so they have the username and all the information they need to investigate.
Product: Debt collection

This company began calling me to collect a debt. At first, they were calling me before XXXX, as well as later in the night every single day. The call woke me up early before work, and I answered and told them to not call my phone before XXXX as I work at XXXX everyday and it is disturbing my ability to work by waking me up almost an hour before my shift. I work from home and have to be up later to get things situated for my family for the next day. After this, they began calling me up to 3x everyday between XXXX. It's now gotten to the point where my entire voicemail box is being 100 % filled every week because of the amount of times they are calling me. This is teetering on the point of harassment, and they are not abiding by the Fair Debt Collection Act. I can provide picture proof of the calls, if needed.
Product: Checking or savings account

I opened a checking account at Axosbank. Used their bank service, made decent transactions. Later opened saving account. They unexpectedly closed my two accounts without notifying or warning. They refused to release funds and never did send Cashier checks.
Product: Credit reporting or other personal consumer reports

The repossession by EXETER FINANCE LLC. inaccurately reported on my credit file following a significant data breach, where over XXXX XXXX Social Security numbers and personal information were exposed to hackers. Due to this breach, the integrity of my personal data has been compromised, creating a strong possibility of inaccuracies in the information reported. Under 15 USC 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy, yet the breach casts doubt on the validity of the repossession. I have taken several actions : Filed a formal dispute with the credit bureau. Notified the creditor associated with the repossession. Submitted an identity theft report to the FTC. Despite these actions, the repossession remains on my credit report, causing significant damage to my credit score. The continued presence of this inaccurate information, particularly after a data breach, violates my rights under 15 USC 1681c-2 ( a ), which mandates the removal of information in cases of identity theft or compromised data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act and XX/XX/XXXXXX/XX/XXXXaccount # XX/XX/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 an account without my written instructions XX/XX/XXXX interactive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, AND XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to my consumer Credit Report. This action by XXXX, XXXX, AND XXXX is a clear violation of the Family Education Rights and Privacy Act ( XXXXPA ) of 1974. The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. As custodians of these records, XXXX, XXXX, AND XXXX are bound by FERPA regulations. However, they have egregiously disregarded these regulations by Furnishing/reporting transaction histories to consumer reports without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. XXXX/DEPARTMENT OF EDUCATION 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. Despite my attempts to rectify this matter directly with XXXX, XXXX, AND XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking accountability for Their actions. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Removing All of the Information pertaining to financial transactions that associate with my Education that they furnished upon my report. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Student loan

I was only informed about the change in servicing when Navient deducted almost {$2000.00} for a payment I thought was paused nationally. Now, I am not unable to upload application documents on Navient, and completely unable to log into XXXX. Phone calls are never answered, no call back. I need to submit application information for new payment terms and have no way to do so before additional funds exceeding 15 % of my discretionary income are taken from me, or I go into delinquency. Navient sold this debt to collect during a federal pause, and have now made it impossible for lenders to apply for affordable payments. This is such an abuse of the system and creates great harm to all borrowers.
Product: Debt collection

Resurgent Capital Services has been sending me letters for months attempting to collect a debt that is not mine. The debtor has the same name as me, but the address is different and I am in no way affiliated with this debt. I have phoned 4 times and sent cease and desist letters asserting that they have the wrong person and to stop contacting me. Despite 7 phone and mail requests, the company continues to send me the same collection letters. The company has confirmed that the address and email address associated with the account is not mine. They will not stop contacting me. 
Resurgent Capital Services Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ID : XXXX They have also contacted me for this debt under XXXX XXXX XXXX XXXX
Product: Debt collection

I had paid off my last debt in collections around {$640.00}. I have been trying to get the debt off my report. I have disputed it 3 times, and it wont come off. Called XXXX  and they were no help getting it off. The debt agency was called Asset Recovery Inc. However, they permanently close. The debt has been paid to XXXX XXXX XXXX in full. But since Asset Recovery Inc closed down permanently, they can't take off the debt from report since they no longer exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to purchase 3 vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to XXXX XXXX XXXX and XXXX XXXX XXXX with this prof. Since this loans were placed under my name in XX/XX/2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my 10 plus dispute claims police reports FTC reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX *XXXX ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX  XXXX GROUP ) - {$71.00} Account XXXX XXXX XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX XXXXI - {$1700.00} Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Below are the list of accounts that needs to remove : DEPT OF EDUCATION/XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX