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

The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?
Product: Payday loan, title loan, or personal loan

Westlake financial services cancel my loan for a used car on XXXX XXXX XXXX because the dealership that i went through submitted a secondary loan contract with my signature unknowing to me. When XXXX from the Westlake verifications department called me on XXXX XXXX, I told her I did not send a second loan contract in. The next few days after I received the Adverse action notice from Westlake, which i have uploaded with my complain. 

My concern is that i did n't commit any fraud and my loan was denied because of the dealership actions, that Westlake knew before they sent out the adverse action notice. And i 'm also really concerned that they said I was denied because of Credit. This has cost me money to retain a lawyer at Westlake 's request, to obtain any paperwork between Westlake and the dealership from them, but they told my attorney I was not a customer and i needed a subpoena to have those documents sent over. So I filed a complaint with The XXXX. Of XXXX Services, and Westlake then turned over my paperwork without that subpoena they requested prior. 

The time in which the loan was canceled/denied, was only 14 days after purchase date. The most significant time frame for expirations on loan are 30 days. 

The loan had already gotten to the verification Department twice in two weeks. Credit was not a reason for the denial. How can this be the reason in your Adverse action Notice sent out? This is not acceptable to me and it should not be acceptable with CFPB.
Product: Debt collection

I received repeated call from a company that shows on my phone as Conn 's XXXX XXXX. 
They ask to speak with someone who has never lived at my address. I have told them this and they continue to call and harass me daily. The last call was this morning around XXXX XXXX. 

They insisted that I tell them if my number was recently changed and how long I've lived here. I'm pretty sure I don't have to provide them anything, as I don't owe them anything. They stated that the calls will continue since I won't answer these questions.
Product: Credit card or prepaid card

Citibank previously announced that it is terminating its co-branded credit card relationship with XXXX XXXX at years end. As a current cardholder of a Citibank XXXX XXXX XXXX XXXX XXXX card, Citi notified me via email on XX/XX/XXXX that my account is being transferred to XXXX XXXX on XX/XX/XXXX. Citibank via telephone that they have sold my account to XXXX XXXX and that " this was a business decision. '' Citi has sold my account information without authorization. Citi has charged an annual fee ( appox 6 months ago ) and has not, as of yet offered a pro rata refund of the annual fee.
Product: Checking or savings account

To : CFPB I am writing to bring to your attention a concerning matter regarding an ATM fraud claim that I recently submitted to Chase XXXX XXXX XXXX. 

On XX/XX/23, I reported a fraudulent transaction that occurred at the Chase ATM located in close proximity to the branch. Someone fraudulently took out {$4000.00} from my checking account. Despite my prompt reporting, I was informed that my claim was denied due to the proximity of the ATM to the branch. However, I would like to highlight that the investigation conducted by Chase did not include a review of the video footage, which I believe is crucial evidence in determining the validity of my claim. I also have video footage of my wife through our doorbell camera as these transactions were happening. ( My wife had her card with her at all times and did not loose it ) Chase insist that the pin and chip was used so it was denied.

I understand the importance of thorough investigations to ensure the accuracy of claims, and I am deeply concerned that my case was not given the appropriate attention it deserves. Fraudulent activities can be distressing for any customer, and as a loyal account holder with Chase, I am reaching out to request your assistance in reevaluating my claim and conducting a comprehensive investigation, including a review of the surveillance footage. 

I firmly believe that with a proper review of the video footage and a careful assessment of the transaction details, the veracity of my claim will become evident. I have been a faithful customer of Chase for many years, and I am hopeful that my concerns will be addressed promptly and fairly. 

I kindly request you to initiate a reconsideration of my claim and conduct a thorough investigation into the fraudulent activity that I reported. Your assistance in this matter would be greatly appreciated as I seek to resolve this issue as quickly as possible. 

Thank you for your attention to this urgent matter.
Product: Credit card or prepaid card

XX/XX/XXXX - I used the card to pay a repairman for work on my home {$360.00}. 
The repairman was not completing the work so I disputed the charge. 
After that, the repairman came and completed the work. 
I called the card- Synchrony Bank- to rescind the dispute. I was told that was impossible because it was resolved in my favor. I was instructed to pay again. 
XX/XX/XXXX, I was refunded {$360.00} XX/XX/XXXX, I contacted the repairman and he recharged me as instructed. 
XX/XX/XXXX, Syncrhony adjusted my account and took {$360.00} stating that the original dispute was NOT settled in my favor. 
I have since contacted multiple times and each person says they see the error and open a new dispute to get my money back. Each time, I am denied. 
I have contacted the bank several times since with promises to call me back and I have not spoken to anyone. 
I have asked them to listen to the recordings and they will not.
Product: Checking or savings account

I was going to use services from a merchant on XX/XX/year> that makes a purchase on my behalf and allows me to make installment payments on the purchase. I didn't end up using this merchant but they still charged me the first installment payment of {$88.00} in error. I contacted the merchant and explained to them that I never used their services and that I was charged an installment payment in error. The merchant refunded me on XX/XX/XXXX minus XXXX dollars for service fees. The total amount of my refund was {$84.00}. For some reason that I can not explain, the original charge of {$88.00} disappeared from my checking account but the refund of {$84.00} is there. My bank, Chase, noticed that there is not a charge from the merchant that relates to this refund and Chase reversed the refund and gave my {$84.00} back to the merchant on XX/XX/XXXX. Now I have {$84.00} missing out of my checking account. Keep in mind, I never received any services from the merchant which is why I was refunded by them in the first place. I filed a claim with Chase and uploaded emails and payment agreements with amounts and dates that correlate to the original charge and to the refund from the merchant that proves that I was entitled to the refund. Chase concluded that my proof wasn't good enough and that my checking account doesn't show an original charge that relates to the refund. Chase 's stance on this issues is that I have to prove why the original charge fell off my checking account but the refund stayed on my checking account. Not only did I show proof of all payments and refunds between myself and the merchant, but I explained to Chase that I am the customer, I have no idea why their system not perfect and doesn't show the original charge. It's not my responsibility to explain why a charge fell off my account. I had no control over how that refund was handled. After dealing with several customer service representatives and even dealing with a claims supervisor, I was told by Chase that I failed to prove why the charge fell off from my account and that the merchant is entitled to the {$84.00}. I was told that the claim will be closed and now there is nothing I can do about it. I now have to deal with {$84.00} missing out of my account because of a faulty system that Chase is using and I have been held responsible for their mistake. Chase has failed me and I am left feeling cheated by bank that does dirty business.
Product: Checking or savings account

On XX/XX/2020, I logged into my Bank of America account at about XXXX through my cell phone and noticed a withdraw of {$1000.00} at a XXXX XXXX atm located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX in which I did not make! I immediately looked for my bank card thinking perhaps I lost it, but to my surprise, I had not. I immediately called BOA to report fraudulent activity on my account. They proceeded to gather my information about my claim, cancel my bank card and transfer me to the claims department so that I may go through the dispute process. They sent me a new card, advised me to file a police report since the amount was more then {$500.00} and fax it over to them. I did everything I was told to and faxed the information on XX/XX/XXXX. I received my new bank card 2 days after my claim and it worked fine up until XX/XX/XXXX when my account was closed suddenly. I immediately called BOA to find out what happened and they said it was closed due to fraudulent claims. Since then I have gotten the run around from them and am constantly being hung up on after waiting on hold long periods of time. They cant even tell me if my police report has been received. I received a letter stating that my claim has been closed dated XX/XX/XXXX, because they believe the account or the claim has been subject to fraud. I dont know what else to do and it seems that there are many many other people this is happening too. Please help me. BOA did not investigate my claim!
Product: Debt collection

I JUST RECIEVED THIS NOTICE TODAY ABOUT THAT STUPID {$420.00} XXXX BILL, EXCEPT IT 'S WITH ANOTHER DEBT COLLECTION COMPANY!!!! XXXX!!!!! I CALLED THE COMPANY AND THE REPRESENTATIVE THAT I TALKED TO TOLD ME THAT THEY WERE GON NA HANG UP IF I DID N'T QUIT BEING FRUSTRATED!!!!!!!!! I STRAIGHT UP TOLD HIM THAT THE POLICE DO NOT DO ANYTHING ABOUT ID THEFT, AND THE GUY TOLD ME THAT THEY DID ... .NO THEY DO N'T!!!!!!! UNLESS YOU 'RE FAMOUS AND YOU HAVE MONEY!!!!!!!!!!!!!!! THEY ALSO THREATENED TO PUT A DEROGATORY ACCOUNT ON MY CREDIT BUREAUS AS WELL!!!!!!! I HAVE ALREADY TALKED TO THE XXXX POLICE AND THEY DID NOT DO ANYTHING!!!!!!! SO I DO NOT WAN NA HEAR ABOUT FILING A REPORT!!!!!
Product: Credit reporting or other personal consumer reports

There are debts owed for accounts that I have no prior knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the 3 Credit Bureaus : Experian, XXXX, XXXX  to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX. So I disputed the negative and erroneous report with XXXX. I told XXXX about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. XXXX  acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with XXXX. 

So, this morning I filed another dispute with XXXX. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) XXXX, ( 2 ) TransUnion, and ( 3 ) XXXX. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX regarding this matter, in as much as XXXX may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
Product: Credit card

I purchased a dining table set on XX/XX/XXXX and it was scheduled to come on XX/XX/XXXX. I received a text from the warehouse XXXX that the tables they had in stock were damaged so I called him back and told him I only wanted the chairs delivered. Only my chairs were delivered and not the table that I made in the same order. I made the payment for the chairsXXXX XXXX XXXX XXXXXXXX told me to drop the dispute so that they could refund me the amount for the table. They told me on XX/XX/XXXX that they would refund the amount of my table in XXXX days of {$1900.00}. When I inquired about the refund 14 days later, they alleged that they already refunded me on XX/XX/XXXX but that is not being reflected on my credit card statement and my credit card account does not show any statements for XXXX. XXXX XXXX XXXX  and Synchrony bank have been giving me the run around for almost a year now and I am tired. Additionally they are running up late fees and ruining my credit. I should not be responsible for the thief that never delivered my table and they should be conducting an internal investigation as to why my table was never delivered and why they can not provde documented proof of my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY On XX/XX/XXXX, I have submitted a claim to the Equifax credit bureau, but did not comply with all the requests. Equifax arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or XXXX XXXX   XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX   company from XX/XX/XXXX to May that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month
Product: Credit reporting or other personal consumer reports

I am Writting to file a complaint regarding an account inaccurately reported on my credit File by XXXXXXXX XXXX XXXX XXXX. Despite removing this authorized User account status with XXXXXXXX XXXX XXXX XXXXXXXX it remains on my credit report and its continued presence is inaccurate and unfairly damaging to my credit. Under the Fair Credit Reporting Act 15 U.S.C.1681 e ( b ) This section mandates that consumer reporting agencies must ensure maximum possible accuracy in the information they report. The inclusion of this account on my credit report, despite my requests for removal and the lack of responsibility ( Authorized User ) for the account as an Authorized User, is a clear violation of this requirement. I have no financial responsibilities for this account as an authorized user and have repeatedly requested that XXXX XXXX XXXX be removed from all three credit bureau I have attached below a copy of my credit reports showing where the responsibility shows as Authorized User
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I completed a global transaction with North Lane ( Onbe ) and have yet to receive the funds. It was indicated that I should have received my funds no later than XX/XX/2023. I have contacted both my local bank and North Lane and neither can provide any updates. I have been asked to retrieve a SWIFT code from North Lane so that my bank can try and trace the funds and I have yet to be provided with one. I have followed up multiple times and have still not received it.

Im very frustrated and stressed out as I am in an urgent situation and currently sitting without any funds. North Lane is not providing me with the necessary answers or resources to try and trace the money and I have run out of contacts to try and get hold of.
Product: Checking or savings account

Hello, my name is XXXX XXXX. 
I am a Victim of Identity Theft.

At the beginning of this year, I attempted to open a Business Checking account with Truist. After two days, my account was closed due to " fraud ''. What really happened was they requested an XXXX XXXX XXXX report and from what they saw, they decided not to open my account and mark my file as " FRAUD ''. I think that's ridiculously unfair. 
I have disputed all the negative information on my XXXX XXXX XXXX report and yet Truist still doesn't give me a chance to prove myself and allow me to open ANY type of account. I think it's truly discriminatory and it makes me extremely sad. 
As a customer, I wanted to bring my personal and business banking checking accounts to trust and now I don't think so. 
I just wanted to take the time to report them because I think they're being extremely unfair. 
Thank you, Happy Holidays!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX XXXX  XXXX  # XXXX I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shail not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, I would like to know who did they talk to. 
How did they complete this investigation
Product: Debt collection

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). 

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.