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

On XX/XX/21 I noticed two fraudulent charges on my credit card, both to XXXX. I called BarclayCard immediately to report. I was told the first one for {$960.00} was already flagged as fraud and the second one for {$420.00} would be investigated. I reiterated that they were both fraud and that I did not make either purchase, and that no one in my household had access to this card. Both charges were removed and I was issued a new card. A few days later, a package arrived at my door from XXXX. I assumed it was the fraudulent item and did not open it. It remains today stored in a closet, unopened. In XXXX of this year, I noticed the {$420.00} was placed back on my card. Barclay says they contacted XXXX who in turn contacted the third party seller and they determined that since XXXX had my correct address, account number, email and credit card that it was not fraud and must be a valid purchase. I explained that yes in fact, I do have an account at XXXX and this is how they have my info, however I did not make this purchase and told them that back on XX/XX/21 when I called to report as fraud. I have attempted to get the unopened merchandise back to them but the 3rd party seller, XXXX XXXXs, says their 30 day return window is closed. I have called Barclay countless times as well sent letters but they continue to insist it was a valid charge. Even after telling them repeatedly since day one that both charges were fraudulent. They can't explain why they recognized one as fraud but not the other. I have tried everything I can to settle this issue but they really just don't care. I have not paid this charge and stopped using this card in XXXX when they reinstated the charge.
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX At XXXX received call about a Line of credit {$42000.00} debt that I owed. They are telling me that the last time I used this debt was XXXX or XXXX. 
Radius Global Solutions XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX Reference Number : XXXX
Product: Credit card or prepaid card

Charges began XX/XX/XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, OH XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA Late Fees, Interest Fees and OverLimit Fees. 

Union Bank contacted me to confirm the first charge. First charge and all charges there after were confirmed fraudulent, Union Bank then closed the account. Since that time, the card remains over the limit, fees continue to be charged and interest accruing. With each 30 days the account is reported delinquent to the credit bureaus, my credit score continues to drop drastically. I have contacted Union Bank with each letter that arrives in my mail box. Each time I speak first with the collections department, then am transferred over to card services where the representatives say they are re-opening the file. The file still continues to remain open and closed at the same time, no resolution, and my credit score continues to drop. 
I contacted XXXX, and they suggested the FTC complaint for fraud.
Product: Checking or savings account

Dear officers in charge of this matter : I am here to report a potential fraud committed by CITI Bank by luring people to open account for bonus then decline what they have been offering. 

What happened with CITI : 1. I saw their sign-up bonus offers on their website, quote : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the XXXX day to unlock your bonus. 
2. I deposited {$300000.00} ( $ XXXX on XX/XX/XXXX and $ XXXX on XX/XX/XXXX ) and kept the money there until now aiming to get that {$2000.00} bonus in XXXX XXXX. 
3. XX/XX/XXXX, their customer service declined my bonus even though I followed exactly what they required in their terms and conditions on their website. ( see details from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Communications with CITI Bank Customer Service : 1 XXXX First week of XX/XX/XXXX, confirmed with their online-chat representative that I was successfully enrolled to earn the bonus. I thought I could rest assured until XXXX payday. 
2. XX/XX/XXXX, called 2 different customer support regarding the bonus payday and both said I was not enrolled. Same day, I also chatted with 2 online representatives and they kicked me around and said there is nothing they can help. 
3. Their customer supports people are not based in United States and they DO NOT even know this bonus offer is still on their website!! They kept asking me to provide an Email invitation code to get the bonus but the offer on website stated very clearly that all I needed to do was to APPLY online! 
4. Citi customer support said I will receive an email about this dispute yet NO email was sent at all! 

For now, I need to get a confirmation email from Citi Bank and confirm which day I would be paid that {$2000.00} bonus for keeping {$300000.00} for so long. 


Thank you!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXXXXXXXXXX XXXXI am writing in regards to the above-referenced debt NORDSTM/TD ACC#XXXX to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question  Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. §1692(c). Thank you for your attention to this matter• You cannot add interest or fees except those allowed by the original contract or state law. • Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business BureauI have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate. Accordingly, if you havealready reported this debt to any credit-reporting agency (CRA) or Credit Bureau(CB), then you must immediately inform them of my dispute with this debt.Reporting information that you know to be inaccurate or failing to reportinformation correctly violates the Fair Credit Reporting Act § 1681s-2. Should youpursue a judgment without validating this debt, I will inform the judge and requestthat the case be dismissed based on your failure to comply with the FDCPA.XXXX, XXXX XXXXSOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXXXX/XX/XXXX, FL XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED ACCOUNTS ON MY CREDIT FILE multiple TIMEs and EXPERIAN XXXX  and XXXX  have refuse to complete a investigation in disputing in removing. the inaccurate information from my credit file. I have dispute this information for the last 12 months.
Product: Debt collection

I received a phone call from the debt collector and immediately requested validation of debt in writing, clarifying a letter as they stated they can not send it via email. I never received any letter validating the debt after providing my new address. They did send an email, but on the call we agreed the communication would be via letter. I had a lawyer on retainer and was prepared to dispute the claimed debt once received.
Product: Checking or savings account

I have been a client of Wells Fargo for 30 years. I started a business at XXXX XXXX XXXX. When I applied for and was authorized for a loan within the Covid-19 relief program for small businesses affected by Covid-19, they promised the loan yet never delivered causing substantial losses to myself and business not limited to inability to rehire employees or carry normal operations. When I asked a branch member their perspective they stated that I was not taking care of myself due to my XXXX XXXX. As a woman and a person who identifies as someone with a XXXX, this was unacceptable given they had an obligation to support small businesses. Instead, they forced me to use a high interest credit card rather than grant me the forgivable 1 % loan that I was entitled to for my business expenses. 

They have been unwilling to negotiate a reasonable resolution despite ongoing attempts.
Product: Bank account or service

We opened a HELOC account at Citizens Bank in XXXX. At the time, we opened a checking account as well to avoid having fees on the HELOC account ( Citizens had a deal ). Our checking account had minimal money ( around {$1100.00} ) that we only used to pay the HELOC loan. In XXXX, we finished paying our loan and over time forgot about our checking account. Citizens bank began charging {$9.00} per month once we did not meet the XXXX transaction minimum in the account. We had originally signed up for paperless statements, but we were not told that we needed to also sign up for alerts to actually be told when the paperless statement was available. We have not used this account now for 26 months ( no atm withdrawals, no checks used or ordered, ... ) In that entire time, we have received no communication from Citizen 's Bank about our account ( since we did not have the Alerts feature turned on ). For 26 months, Citizens Bank has collected a {$9.00} fee for a total of {$260.00} of our {$1100.00} balance ( 23 % ). Again, they never marketed to us about the alerts, we never received any information about the account ( we had to know to go online and check ). We recently found this out as we were looking to possibly use our HELOC account again for a home project. When we called to see if our line was still active, we were also informed about our checking account. While I understand that these fees were disclosed when we first opened our account, the fact that we received no communication, were not told about alerts, and were basically ignored while our account continued to just be a source of funds for Citizens is appalling. We used no features of the account, Citizens was able to lend our money, and yet they charged us {$260.00} - if we finally had not called, they would have taken the entire balance over time. In my mind, these practices are unfair and deceptive. There is a full lack of responsibility to do what is right for the customer - ie marketing a different product that is more in line with the needs of the customer or viewing inactive accounts for possible communication or upgrade. I contacted Citizens after learning these facts and they agreed to waive {$40.00} ( XXXX late fees ). Again this is {$40.00} out of {$260.00} of fees on an inactive account. I would appreciate any assistance in reviewing their policies on inordinate fees, communication, and account review policies.
Product: Checking or savings account

On or about XX/XX/2019, I filed a complaint via phone with my financial institution ( Chase Bank ) regarding a transaction for the amount of {$500.00} that was debited from my checking account on XX/XX/2019 by XXXX XXXX. I filed a complaint with CFPB on XX/XX/2019 under Complaint # XXXX. 

Chase Bank created a claim and a provisional credit was applied to my checking account on XX/XX/2019. My CFPB Complaint # XXXX was closed after Chase Bank responded that the money relief was issued to me-the consumer. However, Chase Bank 's Claims Dept sent a letter dated XX/XX/2019 closing my claim while making me liable for the transaction. On XX/XX/2019, Chase Bank had also reversed the provisional credit. Chase Bank 's adverse action is making me liable for an unauthorized transaction and keeping my funds hostage. 

Please investigate this complaint that I have with Chase Bank. Thank you.
Product: Debt collection

It would appear that XXXX XXXX XXXX has sold a collections debt I did not owe. I have previously opened a complaint with XXXX and had it discharged but now XXXX XXXX is also reporting on the same bogus debt I never owed in the first place. Here is the original complaint that also applies here. 

I had 2 XXXX XXXX XXXX for several years numbers XXXX & XXXX, in the fall of XXXX I paid off their balances, having never been late, then for around 2 years I paid their {$8.00} mthly maintenance fee on each. In XXXX of XXXX ( XXXX ) I called to close the accounts stating at the time I was calling to close my accounts and wanted to pay off all balances owed. Its important that for almost 2 mths prior to that I had been unable to access my accts online and had sent a XXXX request about it. When I called to cancel I knew I had missed an {$8.00} pymt for both and was told my balance to pay that day was {$60.00} something dollars, which I paid with my XXXXXXXX XXXX debit card. After. That day I never heard another word from XXXX XXXXXXXX, no calls, no voicemails, no letters until about 2 months ago when applying for a loan I found out my credit had dropped almost XXXX points. I w as never late and never charged a single thing in the 4 years since paying it off. This information is erroneous and needs to be removed. I realize a part of my credit dip was credit utilization on other things but this reporting from XXXX XXXXXXXX is wrong and needs to be removed. They have damaged my score deeply for no reason.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX Online Complaint RE : XXXX XXXX Mortgage Select Portfolio Servicing Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am filing this complaint against BOTH the above-named companies. 
I purchased a home is XX/XX/XXXX. It was originally financed through XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX assumed the loan XXXX XXXX, XXXX. The problem is, the payment I made on XXXX XXXX, XXXX, online, was applied to Principal Only, not as the regular monthly payment which was due XXXX XXXX, XXXX. The transition was XXXX XXXX, XXXX. I have been in contact with XXXX and SPS over the last 3 months and all they ( SPS ) tell me is that I got credit for the payment. XXXX did acknowledge over the phone that is should have been applied as a loan payment, but they cant fix it since as of XXXX XXXX, XXXX SPS has to fix it. 
Noted below is a timeline of correspondence noted as exhibits. Please note I have attached a copy of my bank statement which demonstrates under the description debit unitedwholesale 1 time DFT XXXX which is a Friday that I made the payment online, thru their website. It posted on XX/XX/XXXX. As noted above the transition took place on XX/XX/XXXX. 
What I want from SPS is for them to apply the {$4000.00} I paid to the monthly payment balance showing me current, a letter stating my account is current and that I have always paid on time, them to advise all 3 credit bureaus that I have NEVER been past due NOR SLOW PAY, reverse the fee they have assessed on my account and reasonable compensation for my time to resolving this matter over the last 3 plus months. 
Exhibit 1 Deposit Accounted Summary from XXXX XXXX Exhibit 2 Thank You for your payment dated XXXX XXXX, XXXX ( 2 pages ) Exhibit 3 Notice of Servicing Transfer date XXXX XXXX, XXXX Exhibit 4 Statement from XXXX dated XXXX XXXX, XXXX with a due date of XX/XX/XXXX Exhibit 5 Notification of Assignment, Sale or Transfer of Your Mortgage Loan XXXX XXXX, XXXX Exhibit 6 Statement from SPS dated XX/XX/XXXX Exhibit 7 Payment Confirmation dated XXXX XXXX XXXX ( 2 pages ) Exhibit 8 Statement dated XX/XX/XXXX Exhibit 9 Letter dated XXXX XXXX, XXXX pointing out they are not going to make any adjustments since funds in question were applied to this account Exhibit 10 MY letter, dated XXXX XXXX, XXXX, to SPS pointing out your company did not properly credit they payment made XXXX XXXX, XXXX paid to XXXX. 
Exhibit 11 Letter dated XXXX XXXX, XXXX stating they received my letter Exhibit 12 Letter dated XXXX XXXX, XXXX receipt of my letter dated XXXX XXXX, XXXX Exhibit 13 Letter dated XXXX XXXX, XXXX acknowledging my letter Exhibit 14 Letter Denying to make the adjustment requested Exhibit 15 Statement dated XX/XX/XXXX Exhibit 16 Letter dated XXXX XXXX, XXXX Assessing a late fee in the amount of {$160.00} We can provide exhibits. If you provide a fax number I can fax them over to you.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint after noticing unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

***Please be advised : I am the alleged co-signer, XXXX XXXX XXXX who is writing this complaint***** XX/XX/XXXX - Received phone call and provided information to XXXX XXXX to co-sign for a loan for around {$8000.00} for step daughter, XXXX XXXX . I provided information. I may have been faxed a document to sign, although I do not have a copy. I've asked Navient for this and the 2nd document I will discuss next at least 4 times in the last 1.5 years and all I have received from them is a copy of two typed Promissory Notes ( Loan 1 : {$8200.00} and Loan 2 : {$13000.00} ). These documents allegedly contain my electronic signature, but I did NOT sign any documents electronically then or anytime for the XXXX XXXX. I lived in Washington state at the time and XXXX lived in XXXX, VA. 

Loan 1 Promissory Note : Appears to have the information I provided Loan 2 Promissory Note : Has wrong and old zip code listed and my name is not capitalized. I do not ever prepare documents in this manner. I have worked in a XXXX XXXX   position in the XXXX XXXX XXXX since XXXX and am extremely particular about how I complete official documents. 

In my telephonic conversations with Navient, I have expressed to them that I did NOT co-sign or agree to co-sign for more than one loan and have stated to them that I would like to see if I ever actually co-signed for the 2nd loan. There response is always, that I will need to complete documents that declare Fraud on XXXX 's part, in order to have the loans removed from my name. 

If these loans were electronically signed, I am sure XXXX did sign them, but I do not want her to be prosecuted for this. These loans were predatory at best and she was 22 years of age at the time, being assured by this school that she had a 90 percent chance of getting a job in her chosen career upon graduation. 

Finally, now Navient has reported ME late in payment to the Credit Bureaus and I only spoke to them today, at which time, I immediately made the overdue payments. I would request assistance in having this negative information removed from my credit reports. 

Additionally, I would request assistance in having my name removed from loans. If they can produce my signature on the 1st loan for XXXX, then I will obviously bear the responsibility, but I did not sign nor have anything to do with the 2nd loan. 

Navient is coercing me to pay for something that is not my responsibility as I have continuously told them, by reporting XXXX 's lack of payment to my credit bureau. This bad reporting could affect my security clearance, which obviously is my income. Navient will not let me rightfully remove myself without accusing XXXX of fraud, when in fact the XXXX XXXX and Sallie Mae are most likely the culprits. 

XXXX XXXX
Product: Credit card or prepaid card

This complaint is in regards to XXXX. I did not see the companies second response until today, when I went to the CFPB website. 

Capital One 's response was : We took another look at our previous investigation and have confirmed the actions taken were correct. To help with your records, we've enclosed a copy of the letter we sent you about your case. Additionally, you sent information showing that the company compensated you for the issue. We are respectfully declining your request for further compensation from Capital One. 


This is not true! The company did not compensate for anything. I had to take XXXX to court to get the money from the clearly fraudulent charge that Capital One allowed. Capital One did not reimburse me for the {$97.00} of interest on the fraudulent charge. The total compensation was XXXX! The pain for Capital One forcing me to take XXXX to court instead of doing what was right, was tremendous.
Product: Debt collection

I went to the ER and paid my co-pay at the time of the ER admittance. My insurance was billed for the rest and was paid by my insurance company. Later we got a bill from a place we did not recognize we contacted the hospital and were told that they did not bill through any third party companies from the one that was trying to bill us. The hospital said that our bill was paid in full via our co-pay and our insurance company. We then contacted our insurance company that said that they had paid the bill in full. They did not have any other bills relating to the ER visit. We then contacted the company trying to bill us and told them that the hospital and our insurance said that all fees for this ER visit had been paid. If this was a legitiment bill to file it with our insurance company. We did not hear back from them and it went away for about 2 years. It seems every year it gets sold to a different collection agency. We contact each time and tell them this has been paid in full and we do not owe or know what this bill if for. It goes away and then comes back from a different collection agency. It is not my debt, I do not owe this or know what this is for as it was never filled with my insurance. It has negatively affected my credit score by making it drop XXXX points. Again, this is not my debt. I have disputed several times with the hospital, insurance company and the collection agency. The hospital and insurance say it is not my debt it is fradulant. I would like it removed from my credit as it is not my debt.