23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

a merchant took me to wholesale warehouse ( not their store XXXX to choose granite counter top. i bought XXXX pieces granite counter top ( tag and taged XXXX pieces a date i was choose XXXX/XXXX/2015 ) but they delivery wrong granite XXXX different tag on granite ), total XXXX, they said if i want good price i must pay all cash -they dont pay sale tax-, i want pay full amount by credit card XXXX my credit line over XXXX $ XXXX, they said give them all cash i have and the rest by credit card if i want a good price, i trust them, make sure before i leaving i ask them a price included demolish my old counter top and rehook up plumbing and cook top, garbage disposal, they told me : yes. XXXX/XXXX/2015 XXXX men came to my house install granite, they delay and told my wife ( im at work XXXX they will came back tomorrow because they dont have time to work, and XXXX they came back i find down it 's wrong granite XXXX different tag ) i called merchant but they act like they dont hear me, i try to contact them so many times, call and text but no response, they pick up few times but act like dont hear me and XXXX intaller run away after they 're leaving after mess up my fench, my door, and not rehook up plumbing, breaking my granite ( they put a faucet on it, try to cover a breaking hole ). i called citibank to dispute right away on XXXX/XXXX/2015. Citi does n't carefully saw all documents i sent. they send me a letter said they closed my case because merchant send citi signed charge receipt ( the only my signature on sale transaction slip, and the merchant falsify and fraudulent everything they send to citi bank, THEY LIED THEY CALL ME but i have phone show they never call me, even they not reponse me, and a letter from BCS warehouse they wrote a sales rep tag and tagged a date i choose and pick out XXXX but why a granite at my home show different date and different sales rep ) i response to citi 2 times after citi send me a letter said they closed my case, and i call customer service so many times they lied me my case still working on it ... now they said they cant do anything maybe i must go to outside legal ...
Product: Debt collection

I recently discovered a debt on my credit report while trying to make a big purchase. 

The debt on my report does not belong to me. When I contacted the original collector and the collecting agency about this matter they told me that it was my debt and I had to pay it. I asked for documentation showing this was my debt because I never done any business with this company. They will not provide me with anything showing me my name, signature or contract pertaining this debt is mines. 

I would like this debt removed from my report as it is not mines. 

Original amount {$140.00} Debt collecting agency requesting {$200.00}
Product: Checking or savings account

Online high yield savings account suddenly became inaccessible. First attempted to call and speak with customer service but automated message said nobody available, try back later. 

Tried to contact via online chat and ended with same result/message. Try again later
Product: Checking or savings account

On or around XX/XX/, there was a fraudulent transaction on a checking account owned by XXXX XXXX As a result of the fraud BMO Harris Bank closed the checking account and the related savings account and blocked all access to the accounts and the account information. 
I, XXXX XXXX in this time period had telephone conversations with BMO Harris Bank requesting that the funds be released. At some point, BMO Harris became unresponsive to XXXX telephone calls or promising to research the matter and not following up. 
I estimate that the funds in question, between the checking and savings accounts, may be in excess of {$3000.00}. 
In late XXXX XXXX  XXXX asked his father, XXXX XXXX to help resolve the matter. XXXX authorized his father to act on his behalf in a letter dated XXXX XXXX XXXX 
In XXXX XXXX XXXX XXXX attempted several telephone calls to BMO Harris Bank spending several hours on hold trying to get additional information on the status of the accounts. 
The closing of the accounts, the loss of funds, and the unresponsiveness of BMO Harris Bank resulted in XXXX being evicted from his apartment and becoming homeless. In XX/XX/ XXXXXXXX XXXX XXXX  in XXXX for 4 days. This series of events forced XXXX to return to his family home in XXXX XXXX XXXX XXXX XXXX 
Having been frustrated with trying to communicate with BMO Harris Bank, XXXX XXXX with formal written authorization from XXXX XXXX sent letters to BMO Harris Bank on the following dates : XX/XX/ by USPS Certified Mail XX/XX/ by USPS Certified Mail XX/XX/ by XXXX Copies of all correspondence are attached as a PDF file. 
The formal correspondence asked for specific information on the fraud and an accounting of the money involved. To date, BMO Harris has been silent. Please note that all correspondence includes full and complete contact information.
Product: Debt collection

National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX. Is a debt collection agency, reporting on all three major credit agencies ( XXXX, XXXX and XXXX ) an alleged owed debt. I have reached out to National Credit Audit Corporation ( NCAC ) disputing this information. National Credit Audit Corporation ( NCAC ) has failed to validate this debt. At no time have I entered into any agreement with National Credit Audit Corporation ( NCAC ). And National Credit Audit Corporation ( NCAC ) can not provide any legal documentation with my valid signature of any alleged rental agreement. National Credit Audit Corporation ( NCAC ) is a debt collection organization, and the alleged original creditor is an apartment complex. The original credit has reported they have no ties and/or affiliation with National Credit Audit Corporation ( NCAC ). 

On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act. National Credit Audit Corporation ( NCAC ) continues to fail to validate this debt and provide original documentation of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ).
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies 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 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 items of information, other than records of convictions of crime which auntie Bates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX I purchased a plane ticket and travel protection from esky.com for a flight to take place on XX/XX/XXXX. At the time of purchase I thought I was buying my XXXX plane ticket from XXXX, I still do not know how I ended up on XXXX website. After I purchased my ticket I realized I was not on Delta.com and did a quick XXXX search of esky.com and saw several results calling it a scam. I was anxious and believed I was a victim of fraud and immediately called XXXX to report what had occurred. The agent informed me once the charges posted they would be disputed and she canceled my current card and ordered a new card to be shipped to my home. A few days passed and I noticed the charges were still on my account, that's when I called Chase again and found out I needed to call a particular department to dispute the charges. I believe on XX/XX/XXXX I officially disputed the charges and explained I was a victim of a phising attack when I purchased a plane ticket and travel insurance, I was refunded for the flight and travel insurance. on XX/XX/XXXX I received an email confirmation for the flight scheduled for XX/XX/XXXX. This flight confirmation was from XXXX, com and this was the first piece of evidence I received to inform me esky.com was a legitimate site. On XX/XX/XXXX I also noticed that the charges for the flight and the travel protection were posted back on my account and my dispute was closed and overturned. I called XXXX knowing that I purchased XXXX XXXX and if nothing else I could cancel the flight for full refund because of it. I spoke to several people who told me a refund was on the way and my bank would credit the amount back. I called Chase XXXX XXXX explaining to them esky.com representatives are stating Chase will refund me my money back and that is why they cant honor my travel protection purchase and refund my flight. I believe esky.com was misleading in their initial response to Chase bank stating the flight was still available for me. It was not because I actually went to Delta.com that same night I thought I was scammed by esky.com and purchase a flight ticket for the same times. I tried several times explaining to Chase esky.com is not honoring my purchase protection and they were not working with me to refund my money. Chase has not been fair to me in taking into consideration my experience with the esky.com merchant. I asked if I could have a member of Chase on the phone to hear the response I get from esky.com in trying to get a refund for my ticket but Chase refused. I have been a client of Chase Bank for over 18 years and have never disputed a charge with them before nor missed a payment. I called Chase bank within XXXX mins of the purchase to XXXX so I am confused why the charge was posted and why they did not advocate to protect my purchase. I understand I made an error in thinking esky.com was a scam but I paid for a ticket I could not use and the travel protection I paid for was not honored by esky.com and Chase refuses to refund me for either. As a consumer I feel Chase failed to protect from esky.com refusing to honor my travel protection and refunding my flight.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services LLC, RE : Cease and Desist of All Communications Regarding Accounts Listed Below I am formally requesting that Equifax Information Services LLC immediately cease all forms of communication with me regarding the alleged debts associated with the accounts listed below. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that a debt collector or creditor stop contacting me regarding an alleged debt. 

The accounts associated with this request are as follows : XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  XXXX, XXXX  Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Child Support Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  XXXX Account ending in XXXX This request applies to all forms of communication, including phone calls, text messages, emails, and postal mail. Additionally, I request that my personal information not be shared with any third parties without my written consent. 

If you believe any of the listed debts to be valid, I demand full verification of each debt under 15 U.S.C. 1692g ( b ). Until such verification is provided, any further contact or attempts to collect on the alleged debts will be deemed a violation of the FDCPA. 

Failure to comply with this cease and desist request may result in my pursuit of all legal remedies available to me under the law, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm in writing within 10 business days that you have received this letter and that all communication will cease as requested. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I went to umpqua bank on XXXX XXXX in XXXX Oregon to close my account since no local branch was available in my city of XXXX CA. The teller whose name is XXXX XXXX said to me " I see there are some pending transactions and so I want to get this transaction right. '' She also stated that my account would be closed by the end of the day and any remaining funds would be sent via a check to my address in XXXX CA. The next day I saw that my account was not closed and further the account was overdrawn. I was instructed by umpqua bank to call XXXX XXXX, which I did at least two times. She did not answer nor did she return my request for a call back. I repeatedly tried to get this matter resolved with umpqua bank to no avail. In the meantime, a few months previously, I had requested my account be credited from XXXX due to a charge at a motel in XXXX California. They requested photos and said my account would be credited which I proceeded. They credited my account. This was not an interim credit. This was a permanent credit per their representative. However, following the overdraft incident at the XXXX branch in XXXX, umpqua bank reversed the charge and debited my account regarding XXXX added an overdraft fee and tacked on a service fee and promptly locked me out of my account and closed it and turned it over to a collection agency and then reported me to chex systems. I had vigourouly tried to get this removed my my credit report and am extremely serious about getting it removed both from collections and XXXX XXXX. This practice I believe is illegal and has ruined my ability to open a bank account with the local credit union. I have photos that show the XXXX motel in question was closed down by the health department. When is this bank umpqua bank going to be held responsible for these actions? I know I as the consumer am right in this matter. I want something done in my favor.
Product: Credit card

Purchased an XXXX in XXXX due to it being lost and needing to have connectivity to return to the XXXX. XXXX website advertised financing of the phone at interest free monthly installments in both XXXX and XXXX websites. Apple Card by XXXX XXXX will not convert purchase into interest free monthly installments. No exceptions for international purchases are posted or in fine print.
Product: Vehicle loan or lease

I financed a car from XXXX XXXX i recieved the loan through credit acceptance XX/XX/18. I went to register my car and the DMV said my car was a stole car my son was put in handcuffs and we were detained. I happened to have my financing paperwork with me so the officer seen that I didnt steal the car. The officer ran a check on the paperwork that i provided him with and found out that the car lot sold the car I financed to someone out of state. I contacted the dealership about the incident and they returned my down payment .I also contacted the bank to get the money i paid into the car loan they said that they would be sending me a refund check for the amount i paided into the vehical that was on XX/XX/18 now when i call asking about my check the bank reffer me to the car lot and vise versa. I asked if they could put track on the check and i get no help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}-
Product: Debt collection

On XX/XX/XXXX I told XXXX XXXX I never had a account with them and reported fraud no one helped me Jefferson capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iam not aware of these charges and need them removed I also have hard inquiries XXXX XXXXXXXX and XXXX I need these removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

On XXXX XXXX, 2015 I made a payment of {$130.00} through the automated system for my Dillard 's American Express credit card. The system prompted me asking would I like to use the current checking account information on file ending in, XXXX XXXX XXXX XXXX, used for the last payment. I stated yes, and the system asked me to hold while it processed the payment. I received a confirmation number afterward. In XXXX, 2015 I received a notification stating due to nonpayment my account had been closed. Unbeknownst to me I had not be contacted before this letter. I immediately called Dillard 's, they transfered me to a Wells Fargo representative, XXXX. He informed me, after reading my entire checking account number aloud, the system only captured the XXXX digits of the checking account number and the payment sent was returned. I informed him that this account has a five year non delinquency history, also the credit bureaus report that a history of my on time payments as XXXX of the things helping my FICO score, and based upon the information he provided reporting this as a delinquent account is inconsistent with my credit history. He informed me that this was a system error and could be fixed, however the account could not be open again. Nevertheless, to no avail over the course of three months I have disputed this matter with Dillard's/Wells FargoXXXX which I 've been told that I did not input information into the system correctly, although the payment was made through the automated system in which a confirmation was given ; also with each of the XXXX credit bureaus as well. I am appalled at the lack of responsibility Wells Fargo has taken in correcting a mistake made in their system.
Product: Debt collection

To start with they put on my credit opened XX/XX/XXXX. This account was opened in XXXX and I moved somewhere where they didnt have services! They have called me multiple times and called my employer at XXXX XXXX. The balance is {$110.00}. This should be removed from credit and for them to quit harassing me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Check n go changes its name to consumer adjustment put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think XXXX is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.
Product: Mortgage

This has been an ongoing problem. Today XXXX is a good example. If you call your mortgage payment in there is a {$15.00} processing fee to take your payment. If you pay online or by an automated system there are fees for this as well. Today I paid {$5.00} for the automated system. Last payment by phone, this payment was waived, today it could not be waived. I am told they " Do what the screen says ''. This is in NO CONTRACT with them whatsoever. Why am I paying for them to take my money when my payment information is on file with them, they just confirm the draft? 

Next my statement says I owe {$500.00} in late fees, ( perhaps true, I don't ever pay them. ) and in excess of {$310.00}. of OTHER FEES AND CHARGES. This is not on any statement of a breakdown of what I owe,
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair And deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations