23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct # XXXX Response from Commenity Bank is that it could take up to 60days to fix issue? This is NOT acceptable! They are already almost 90 days behind on reporting and there is nothing to research as it shows directly on the reporting page of all credit bureaus that they have not reported my lesser balance or ANY of the payments that I have made! If this is not fixed by end of month my lawyer will be contacting them and will be contacting all members that have loan payments with Commenity bank and we will be starting a class action lawsuit. I'm sure this is a very common thing happening at this bank as we have already heard from multiple people about same thing. I have already contacted the asset manager of XXXX XXXX and told them what they are subjecting themselves too using this incompetent banking establishment!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on XXXX. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Early Warning about getting a copy of consumer report. I filled out necessary application and faxed it to XXXX XXXX XXXX on XXXX. That same day, I went through verification over the phone to get a copy of the report in which Early warning asked me multiple questions about my credit, sent me a link to scan the back of my drivers license, had me verify my social, my home address and multiple other credit history info. Still, to date ... .no report by email or mail. 

I explained to the representative at EWS that I had pulled a recent XXXX  XXXX report and found multiple inaccuracies such as payday loan inquires and bank inquiries in different states which i do not live in .... 

He told me he would send me info about Identity theft ... Which, again, I never received. Honestly, I am starting to question whether EWS is even a real company at this point??? 

I would like CFPB to step in here and find out where my report is at this point.
Product: Debt collection

I am current with my bill with XXXX. I got an alert on my credit saying I'm derogatory on 120 with them on the remarks it says natural disaster. I been with this company for awhile years. I call billing. I asked why was I receiving a credit alert that I'm derogatory. What do I owe the representative say for some old equipment. I asked what kind of equipment he say internet and a modem. I say I have the same internet and modem since I been with you all. Why I'm getting charged for equipment that I'm using. I had no reason to turn it in. On my credit report you put that I'm late paying for it. I asked why all of a sudden I'm getting charged for something all the way from XX/XX/2020. You all say the equipment been missing from years and years ago. I call again yesterday the representative said it should of been resolved and she apologize. This affected my credit to drop tremendously. I was in the middle of the house buying process. I now have to wait until all this off my credit. It has set me back.
Product: Credit card

Dear CFPB Representatives, I am submitting this formal complaint against Citi Bank for gross negligence, failure to properly investigate a fraudulent chargeback dispute, and engaging in unfair business practices in direct violation of consumer protection laws. Citi Bank has acted in bad faith by disregarding clear contractual evidence and unjustly facilitating financial fraud, resulting in undue financial harm to my business, XXXX XXXX XXXXXXXX XXXX 

Background of the Issue On XX/XX/year>, a customer named XXXX XXXX booked and fully completed a stay at my rental property, XXXX XXXX XXXX XXXX, from XX/XX/year>, to XX/XX/year>. Prior to booking, XXXX XXXX explicitly agreed to my rental agreement, which clearly states : Dissatisfaction with amenities does not warrant a refund. 

All guests acknowledge and waive liability for any personal dissatisfaction. 

Full payment is required for a completed stay. 

Despite these clear contractual terms, XXXX XXXX initiated a fraudulent chargeback through Citi Bank under the category of " Product Unacceptable. '' She never reported any issues during her stay, and she utilized the full duration of the reservation. 

Upon receiving notice of the chargeback, I provided Citi Bank with substantial evidence proving the legitimacy of the transaction, including : A signed rental agreement, which explicitly disallowed refunds based on dissatisfaction. 

Check-in and check-out records, proving that XXXX XXXX stayed the full duration of the reservation. 

No prior complaints from XXXX XXXX, confirming she had no issues during her stay. 

Screenshots and documentation of pre-booking disclosures, reiterating that no refunds are provided for dissatisfaction with amenities. 

Despite overwhelming evidence, Citi Bank willfully ignored my documentation and wrongfully ruled in favor of XXXX XXXX, refunding her {$210.00}. This decision represents a blatant failure of their chargeback review process and directly enables consumer fraud against small business owners like myself. 

Citi Banks actions constitute violations under multiple consumer protection laws and banking regulations : XXXX. Violation of California Civil Code 1671 ( Enforceability of Non-Refundable Agreements ) Under California law, prepaid and non-refundable payments are enforceable unless deemed unconscionable. Citi Bank disregarded a legally binding agreement and arbitrarily reversed payment without legal grounds. 

XXXX. Violation of California Business and Professions Code XXXX ( Unfair Business Practices ) Citi Bank 's failure to conduct a fair and reasonable investigation constitutes an unfair business practice, as it deprived me of legally earned revenue without justification. Their negligent chargeback policies enable consumer fraud and harm legitimate businesses. 

XXXX. Violation of Federal Electronic Fund Transfer Act ( 15 U.S.C. 1693f ) The EFTA requires financial institutions to conduct a reasonable investigation before finalizing chargeback disputes. Citi Bank failed to conduct any meaningful review of the evidence provided, demonstrating systemic negligence in their dispute resolution process.
Product: Credit card

I had requested a dispute with Discovery credit card ( ending in XXXX ) for a transaction : {$25.00} on your Discover Card account with XXXX XXXX But even after providing all the documentation- discover did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Reporting Credit Act, this creditor has violated my rights.

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

15 USC 1681 Section 604A Section 2 A credit/consumer reporting agency can not furnish an account information, without my written instruction.

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

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was closed due to a friend that sent me a XXXX filing a false chargeback to try to get the money back that he sent to me and Wells Fargo closed my account due to this which was completely unfair considering XXXX uses its own security measures and codes before authorizing a XXXX transfer as well as I had proof of conversation that the XXXX was in fact authorized but they still proceeded to close my accounts taking the side of someone who was lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


Also, My credit has been exposed to a data breach with XXXX XXXX and Experian and many more breaches from other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit was filed XX/XX/XXXX, disputes XX/XX/XXXX, Telephone calls to the company XX/XX/XXXX. Information should not be on my credit report. Theft.
Product: Bank account or service

I own a small business in XXXX XXXX, as a regular practice I have to send checks back to my clients for refunds. On XXXX XXXX, 2015 I mailed out a check to one of my XXXX to XXXX for {$770.00} dollars. After 15 days my client called and ask me about the refund because he never received the check. I went to the branch where I have the account located in XXXX XXXX and XXXX XXXX XXXX XXXX, and the check appear deposit and paid to the account number XXXX in XXXX XXXX My client has not business in XXXX, he lives in XXXX XXXX I dispute the check with the Capital One Bank immediately but not case number was given to me and I asked for it, few days again I spoke to the branch manager who told me that the case was with the Fraud investigation unit but she can not give a phone number to follow up. After 2 months I have not received any answer for Capital One neither my money has been refunded. 2 weeks ago I went back to the Bank again and the management was changed and I was told they do not know about my case. Capital One Illegally deposit a check from my business in an account above mentioned in XXXX XXXX, XXXX XXXX miles away from my client location and has been negligent in resolve the Bank fraudulent deposit and refund the money to my account. 
Please see attached the fraudulent deposit in XXXX XXXX check XXXX XXXX XXXX, 2015 and the check I mailed out to my client a month later and deposited in California, check XXXX, this check has his real signature. 
Please see my account information below. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXXCapital One BankACCOUNT N : XXXXBranch Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXPhone numbers ; ( XXXX ) XXXX / ( XXXX ) XXXX XXXX
Product: Debt collection

I moved XXXX and let my recently widowed stepfather and motherless sister move in after me. I left the cable plan going for them, too, which I had with XXXX. 

They bounced checks and did not tell me, nor did XXXX. Once XXXX had had enough, they canceled the service, seized the equipment in person, and put on fees for returned checks, early termination, and for the equipment that was seized. They sent the debt to a company called AFNI. 

AFNI asked that I pay some {$1400.00} for not paying a cable bill - when asked to justify that amount they said I had to call XXXX. I did. XXXX said they charged me for the equipment - I said I 'd pay what I owed, but not the equipment, since my family told me that someone came and took it. XXXX said to wait while they did inventory, and to not pay anything to anyone until they did, and then after to pay them directly. 

I waited. 

XXXX said they found it and the new amount was some {$970.00}. I asked if it was on my credit report yet, they said no. I asked what I had to do to keep it out of my credit report, and did exactly what they said I had to do. They offered a payment schedule plan and I said I could do it in two months, and did. 

After the first month 's payment AFNI put a hit on my credit report. I called XXXX and they said it was a mistake, that they 'd delete it, and that once I paid the rest they would do so. I did. Nothing happened on their end. 

I called back over the course of months trying to get them to do what they said they would do, to honor their original agreement to not put anything on my report or to delete it once it was put on there. I got mixed answers ranging from " some other department will do it '' to " we will call you back '' to " the last person lied we do n't do that at all. '' I appealed directly to the credit agencies and XXXX and XXXX deleted it quickly, without incident. XXXX says that I " settled and paid less than the full amount '' ( I did not, they asked me to pay more than I owed in the first place! ) and that I defaulted ( I did not, I paid exactly as they told me to, and explicitly asked what to do to keep it off of my credit report, and did as told ). 

XXXX states that AFNI claims they own the debt and that it 's mine, despite XXXX being paid by me directly and AFNI 's refusal to work with me regarding the amount I actually owed. XXXX refuses to either delete it or correctly remark that I did not settle for anything, but rather paid what I was told I actually owed in the first place. 

XXXX records all of their phone calls and refuses to give me copies of these calls despite telling me they would in XXXX6 weeks in XXXX. It is now mid XXXX. 

Do not trust XXXX. Do not trust AFNI. Do not do anything without getting it in writing. Stay persistent if this ever happens to you, and do n't try to throw your family a bone after your mother died.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TWO certified letters in the last month that collections was incorrect and inquiries were fraudulent or unauthorized. all credit bureaus have rectified this except transunion. They have refused to respond to my disputes dated XX/XX/XXXX and XX/XX/XXXX, they removed the inaccurate collections from XXXX but have left all fraudulent/unauthorized inquiries on my credit report
Product: Mortgage

I had a short sale approved by the lender, Wells Fargo Home Mortgage. During the sale process the loan was sold to XXXX. The sale was successfully closed on XX/XX/XXXX, as reported correctly by XXXX. I have just ( XX/XX/XXXX ) discovered that my credit report shows a Wells Fargo Home Mortgage FORECLOSURE with a XXXX balance outstanding. The most recent reporting by WFHM was XX/XX/XXXX. I called XXXX to begin the process of clearing the error and was told to contact the credit bureau instead.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX # 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: Bank account or service

I tried to close my IRA Account with Union Bank because I am unhappy with their service. 
I want to transfer the funds to XXXX XXXX XXXX. XXXX XXXX XXXX call Union Bank and was told they need to send a request letter to their IRA Dept and the process would take 28 days, so I went back to Union Bank and requested the funds in the form of a cashiers check. They refused to close my account & give me the funds. They said XXXX XXXX XXXX would have to send a request to their IRA Dept. I asked how long that would take and I was told " a couple of days '' by XXXX XXXX. I went home and called the IRA Dept of Union Bank and they told me it would take 3 to 5 business days after they receive the request letter from XXXX These XXXX banks are only XXXX blocks apart. I feel like I am just getting the run around and I am getting tired of it. Right now I am calling Union IRA Dept every day to see if they received XXXX 's request letter. If they do n't want to transfer the funds they could just keep saying they did n't get the letter. I am an XXXX year old widow and I think they are stalling to get back at me for closing my other accounts at Union after I told them I was unhappy with their service.
Product: Debt collection

The Law Office of XXXX contacted my work after I specifically asked to not be contacted at office. They also continually contact my personal phone many times in one day. Often back to back calls.
Product: Debt collection

I have noticed several billing errors in the Truth-In-Lending disclosures section of the Retail Installment Contract - SImple Finance Charge. The first one being the number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase goods or services from a seller who ( 1 ) refers consumes to the creditors or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as the truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of the amount financed. The {$3000.00} cash payment and the 2020 XXXX XXXX trade-in placed under section 2 which references Total Downpayment ( if negative enter 0 here and see 4H below ). This is in violation of 7 CFR 1436.10 ( c ) The downpayment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer on the character / amount of any debt 15 U.S.C. 1692 ( e ). All debt obligations and securities are owed to the United States 18 U.S.C 8. 
DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
Product: Debt collection

A request has been submitted requesting 60 days to settle my dispute. Worth Finance has also stated that I have called during the month of XXXX, I have been in contact with this company since XX/XX/XXXX. I do agree with the statement made that I was unhappy with option that was presented to me. Please note this company has reported this loan as a charge off and bad debt since XX/XX/XXXX. Knowing that the loan reach it 's limit of collection in the state of Taxes. WFC tried to re-instate a payment plan or increase the amount due, again on a CHARGED OFF, BAD DEBT as reported since XX/XX/XXXX. I made contact with them, they have not called back and should not be allowed to draw out or delay action of removing debt from my credit report.
Product: Mortgage

I fell on a serious hardship and fell behind on my payment 1 month due to my child 's funeral expenses. My car is broken down, AC gone out in the home and other issues. I have no extra funds to get anything fixed. I reached out to this company in Prayer to get some assistance on resolutions that will be for long term fix. I sent in all paperwork, hardship letter everything they asked from me. I explained everything in the paperwork and application I submitted. This company over looked everything I stated in my hardship letter and denied me payment deferments, denied me to lower my interest rate and/or lower my monthly notes. Instead I was told to stop paying all my other bills so I could pay this one and to not have any emergency situations. I have no vehicle to get to work I have to pay someone to bring me back and forth our AC is out in our home and it is 100 + in Texas and miserable for my family to sleep at night. Instead of this company working with me to find a long term solution they offered me to pay 2 x the amount I am paying now which is over {$1000.00} a month. Why would you expect me to pay 2 x what I am paying now when I am in a hardship financial bind. This company does not care about the customer at all. They made it clear to me only thing they are worried about is making sure they get their money. This company makes is very hard to get any type of assistance when you need it and do not care about anything else you have to do. I been in my home for over 19 years and I tried going to another company to get away from this one and I am being told I have no equity in my home which is very fishy and I do not understand why nor the other company do not know what is going on at all either. Every year I am faced with the same situation and instead of this company helping me with a resolution that will be long term they are only wanting to raise my payments and put more financial bind on me every year for their own greed. This company is horrible no hearts no care. They are not willing to work out a solution for long term or want to participate in programs that are in place to help with mortgage payments. If any emergency arises from this hurricane season we are in I have no funds to fix my car no funds to use to get my family to a safe destination out of harms way. I will be faced with this same situation falling behind again due to the emergency. Where is the help and concern for the customer.