23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I initiated an online purchase in the amount of {$410.00} from IKEA. That same date, XX/XX/year>, I canceled the online purchase and IKEA sent me an email with the cancellation and refund information. 

Comenity Bank IKEA Projekt Credit Card charged my account for {$410.00} for an item that had not been processed, purchased or shipped. 

I have attempted to clarify the cancelation and refund issued by IKEA three times and have not received a resolution that reflects a full refund. 

Comenity Bank IKEA Projekt Credit Card customer service agents have attempted to redirect my requests for a dispute with several different answers and procedure requests. 

Each time I have attempted to call the main customer line for Comenity Bank IKEA Projekt Credit Card there is an automated response stating the line is having technical difficulty and I have been unable to have a live conversation with a customer agent. 

Therefore, I have sumbmitted XXXX messages requesting resolution to the refund and attached supporting evidence. 

I believe Comenity IKEA Projekt Credit Card has fraudulent billed me for an item that was never process, purchased or shipped. 

Please send me advice on how to get this billing adjusted accurately reflect my purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan with Global Lending Services was included in a XXXX  XXXX bankruptcy. In XXXX XXXX was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that Global Lending Services had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called Global Lending Services, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX  point decrease in my XXXX and a XXXX point in my XXXX. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.
Product: Debt collection

After moving from a previous apartment in XX/XX/2021, I called XXXX to disconnect my service as it was no longer needed. Over the phone, XXXX agreed to disconnect the service. They did not and continued to bill me for internet service even though I no longer lived in the apartment. They then sent me to collections XX/XX/2021 for a balance that I didn't owe.
Product: Credit reporting or other personal consumer reports

Subject : Request for Duplicate XXXX XXXX Documentation Dear Chase Bank , I hope this message finds you well. I am writing to request a duplicate copy of my XXXX XXXX documentation. Despite the passage of time since its expected mailing date on XX/XX/XXXX, I have not received the original document. 

As my taxes for the year XXXX have already been filed, I kindly ask for your assistance in providing a duplicate of the XXXX at your earliest convenience. Please send it to my home address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Maryland XXXX. 

I appreciate your prompt attention to this matter and thank you for your assistance. 

Sincerely, XXXX
Product: Debt collection

I am writing to bring to your attention a serious matter regarding your company 's non-compliance with the United States Code. Specifically, I believe there has been a violation of 15 U.S.C. 1692g ( a ) ( 4 ), which mandates that a debt collector must provide a consumer with a 100.34 Notice for Validation of Debt, and a failure to adhere to the provisions of 15 U.S.C. 1692g ( a ) ( 1 ), which requires the use of the B-1 Model Form for debt validation notices.
Product: Debt collection

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT Today on XX/XX/XXXX I received a letter in the mail from Apex Management for services rendered on XX/XX/XXXX from XXXX XXXX and XXXX in the amount of {$130.00}. Stating that they have received my {$30.00} payment. The {$30.00} that was sent to them was for a bill that I had received on XX/XX/XXXX regarding XXXX XXXX of XXXX XXXX, with acct # XXXX However the {$30.00} was applied to XXXX XXXX  and and XXXX Acct # XXXX and should have been applied to XXXX. I also wrote the acct # of the bill sent by Apex on the check. I Called the office the office to try and explain, I was hung up on twice. After being hung up I tried again and asked to see if there was corporate office or a supervisor to help resolve this issue, I was told no and again hung up on. on XX/XX/XXXX I now received a new bill from Apex applied my XXXX to another bill that I don't even have proof that is even my bill. I have never received any bills from XXXX XXXX and XXXX # XXXX. I asked in writing for documents of proof for this bill with my signature via mail.I believe that XXXX applied my money to another account that does not belong to me and if it is truly my bill it is out of the statue of limitations and they applied it to the other account to try and show a date after the statue of limitation has run out. On XX/XX/XXXX I was again billed for XXXX the bill that I've already paid on XX/XX/XXXX under acct # XXXX this time they sent the bill same client reference # XXXX same amount but with a different acct # this acct number isXXXX. I believe that I am a victim of unfair practice by Apex Management .I am also Diaputing the debt for XXXX  XXXX and XXXX. This is eight year debt and I have no proof that this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT EDXXXX XXXX Balance : {$310000.00} ; XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$500.00}
Product: Money transfer, virtual currency, or money service

I received an SMS from the supposed BBVA bank saying that my account may be at risk that I should access the website ( they sent me a link ) The web looks real but when you put your data ( I invented mine ) it says that thank you and stays in loading mode. 
It's a scam. 
The website is the following one : XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a complaint with Capital One for a charge regarding a Hotel Booking Service Fee of {$15.00}. They removed the Charge pending an investigation. However it was then put back to my account. This charge was for a hotel stay here in XXXX XXXX Nevada at Arizona XXXX. However when we went to the property we were told that there was no rooms available and was told they canceled our reservation and would fully refund the amount charged. I received a refund all but the {$15.00} for the Hotel Booking Service Fee.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; Medical XXXX Balance : {$780.00} ; XXXX XXXX XXXX Balance XXXX {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I met with Bank officials at Key Bank, XXXX, XXXX in XX/XX/2021, regarding being charged, penalized & deducted from my checking account, {$140.00}. I asked if this was a state or federal requirement, as opposed to just bank policy. I was advised that this was a state law. I requested that they provide me with the appropriate legal site to the law, which they were unable or unwilling to do. To this day, I have not received any proof that this is a New York State requirement. 

I am on a fixed income and the banks policy can only be described as usurious! 

I respectfully request you investigate Key Banks policy of penalizing account holders in the use of their money. 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been a victim for years. 
I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. 
I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Experian received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted these companies multiple times and now fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
I XXXX XXXX sent Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. These companies under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and subsequent reinvestigation, companies stated in writing that companiesverified that these items are being reported correctly? Who verified these accounts? Companies have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Product: Prepaid card

I used the services of Reloadit.com which is a funds loading service for certain brands of prepaid debit cards. I have used the service successfully in the past. 

About two months ago I attempted to load funds to a prepaid debit card but I was unable to do so. I received an error message after every attempt, so I contacted Reloadit customer service. They forwarded my request for assistance to the IT department, who contacted me several days later after. 

Reloadit sells scratch off cards containing XXXX digit pin numbers at various retail stores across the country. The pin numbers can be redeemed at www.reloadit.com and turned into digital funds that can be loaded onto prepaid debit cards. Reloadit.com provides users with their own online account which serves as a go-between, or a " safe '' in which users can store their pin codes until they want to load them onto a prepaid debit card. There is a waiting period of XXXX hours after the time of purchase before users can add any funds to their prepaid debit cards. During this time however, users can keep the funds in their reloadit.com safe. 

This is where my issue begins. I left XXXX pin codes in my safe worth {$500.00} each prior to attempting to load them to a prepaid debit card. I received an error message when attempting to add my funds to the prepaid cards. This is when I contacted customer service about my issue. 

Overall, customer service and the IT department proved to be very unhelpful. The IT rep named XXXX told me that I needed to email photos of the Reloadit scratch offs and their receipts. I did so promptly. I was then told that my pictures were not good enough and I needed to resend them. I did so promptly. Then I was told that I needed to take pictures on different backgrounds. I told XXXX this was not possible since I no longer had the physical receipts and scratch offs. The pictures I sent him had been taken prior to me contacting customer service, as I took pictures of the receipts and scratch offs just in case I did misplace them. He then instructs me that I should travel XXXX hours away back to the store at which I bought the Reloadit scratch offs and request that the store dig through their system to find another copy of my receipt. I informed XXXX that I would not be doing that and he needed to offer me an alternative to getting my money back. He then told me that he could not help me unless I could retrieve the original receipts and take pictures of them on the different backgrounds. 

I feel that XXXX was very unhelpful and ultimately would keep finding excuses as to why he and his company would not refund me my money. At this point I was very upset and disheartened with the whole situation. What baffles me more than anything is that no one has explained to my why my funds are being held. The reason could be completely erroneous and an ultimate attempt to discourage users from asking for their money back. I have cooperated with Reloadit and XXXX to a reasonable extent but we are past the point of reason. Their requests are becoming ridiculous considering that all I am asking for is my own money, not a gift or a handout.
Product: Debt collection

I submitted a claim with the cfpb in XXXX ( case # XXXX related to case # XXXX ) where I asked ECMC in writing to cease all phone calls to me at both my work and my cell. Their response on the explanation of closure is " Nevertheless, ECMC has honored your request and placed your account into a do not call status. '' Yesterday XXXX/XXXX/15 at XXXX XXXX contacted me in an attempt to collect on this debt. Then she informed me that no automated computer or recording would ever be contacting me. Today XXXX/XXXX/15 at XXXX XXXX called me and it was a computer/automated call. Then again at XXXX this same day XXXX/XXXX/2015 another call to me was made from ECMC from XXXX. So they are not doing what they promised cfpb, nor me. This case is pending a hearing and I need EVERYTHING in writing either via email or letter. And I need them to cease the calls immediately.
Product: Checking or savings account

JP Morgan Chase without warning closed down my account on Friday XXXX after I correctly reported fraudulent charges.After days of conflicting and incorrect information via the phone, I was told a decision was already made. I do not have access to my own money and when raised I do not have a way to pay for food, heat and basic human necessities in the middle of a XXXX XXXX, the branch XXXX mocked me and the representative said " too bad. " In addition to emotional trauma, a banking institution I have been with for 10 years has put me in physical danger by doing this and not allowing access to my own funds. I am making this complaint as if health issues or I am endangered because I do not and will not have access to my only funds. They have also made it impossible to open another checking account at a different banking institution, all in a matter of XXXX hours due to this closure. It is currently XXXX degrees inside my apartment and I have not eaten in XXXX. JP Morgan Chase has put my life in danger without any information or willingness to help a customer of a decade. I will reiterate it's because their institution failed to protect me as the customer from fraud, and has now againput me in physical and emotional danger.
Product: Credit reporting or other personal consumer reports

Credit Bureau is currently reporting two accounts that were closed as open with balances showing that they are currently late. These accounts were charged off and companies receive tax credit from irs. I requested a 1099c from the creditor and they fail to furnish then Equifax lists the account was open making it look like there are current late payments when these accounts should marked closed with a XXXX balance XXXX XXXX  {$1500.00} listed as open account charged off and balance should be XXXX and XXXX XXXX charged off XXXX and is still showing a balance of {$16000.00} and no Equifax has listed this account as open this is the only bureaus that has not corrected their issue and has violated 15 U.S.C 1681 and I request that these accounts be removed from credit immediately
Product: Debt collection

I am writing to dispute the inaccurate and unlawful reporting of a collection account on my credit report. This collection account, reported by AFFIRM violates both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 for the following reasons : 1. Failure to Validate the Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, if a debt is disputed, the collector must cease collection efforts until proper validation is provided. I previously requested validation, but the agency failed to comply.

2. Inaccurate or Outdated Reporting Under the FCRA, 15 U.S.C. 1681c, negative information, including collections, must not be reported beyond the legally allowed timeframe. If this account is outdated, it must be removed.

3. Unauthorized Reporting or Misrepresentation If this collection account was inaccurately reported, duplicated, or lacks verifiable proof of legitimacy, it constitutes a violation of both the FDCPA and FCRA, and must be corrected or removed immediately. 

I have attached several supporting documents in my disputes letters, including correspondence and prior disputes, to support my claim. Under federal law, you are required to investigate and respond within 30 days. If this account can not be verified or has been reported unlawfully, it must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 Amount - {$25.00} Payment : Loan Agreement- {$520.00} Actions Taken : Dispute filed with the CRA - Transunion requesting that this CRA please provide statements and records of all payments made and missed since I opened/closed this account. Please reinvestigate this matter and if no such records are found and delivered to the consumer please delete or correct the disputed information as soon as possible. Thank you for your assistance. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX - Account # : XXXX Loan # : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 604 a Section 2 : Also, states a consumer reporting agency may not furnish an account without my written instructions or consent.

15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, and I need to report a fraudulent, unauthorized cash advance that was made into my bank account without my permission or my request. I didnt do it. Please delete my Albert account and take the fraudulent report account email XXXX XXXX