23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I charged two {$50.00} XXXX program applications to my Chase XXXX Credit Card. As part of our Credit Card Agreement, I am entitled to a statement credit of up to {$100.00} every 4 years when you use your card for your TSA Precheck, Global Entry or XXXX application. Two XXXX  applications cost a total of {$100.00}, so I paid for the application fee for both myself and my brother. Chase then only provided me a Trusted Traveler Credit of {$50.00} to my account. I had asked why I was not given the full amount of {$100.00}. Three times Chase tried to close the case by then filing the transactions as fraudulent/duplicates, when I never said this was the case ( XX/XX/XXXX, XX/XX/XXXX, XXXX ). They either were not reading the details of my complaint or were intentionally trying to close the case on an unrelated issue without a resolution. And considering it happened three times I am leaning toward the latter. They closed the case when I wrote letters explaining that both transactions were legitimate and I was inquiring about the amount of the trusted traveler credit, forcing me to start the process all over again. Finally I got a response from Chase on XX/XX/XXXX stating " This account will receive one statement credit of up to {$100.00} every four years as reimbursement for the application fee charged to credit card for Global Entry, TSA Precheck, oXXXX XXXX Application. Statement credit is for TSA Precheck, GLobal Entry, or XXXX application fee, once every four years. You are not eligible for multiple fees to be credited. Statement credits post automatically for up to {$100.00} '' I then responded to Chase, telling them I agreed that the language in the credit card agreement limited the CREDITS to once every four years, and nowhere in the agreement or anywhere in the terms was that credit 's value limited to only one transaction. Both transactions occurred on the same day around the same time, well before any credits were issued, so they both should have been considered in the total credit 's value. I cited their entire terms and card agreement language on the issue, also stating that the points that they made, " You are not eligible for multiple fees to be credited. Statement credits post automatically for up to {$100.00} '' are nowhere in the language of the agreement or terms. I supported my agreement and stated my position using their terms and their agreement 's language in full. I then asked them to do the same to support their own position. 

They then responded on XX/XX/XXXX saying I would not receive the full {$100.00} credit unless I apply for Global EntryXXXX XXXX fees are less than {$100.00} therefore I rightly received a credit of {$50.00}. '' Again they cited none of their card agreement or terms in this letter. 
Again, none of this language is supported anywhere in these documents. 
They are sending the same denial over and over again with no explanation and no support, while I have cited their terms on the issue in full. And all they keep doing is closing the case and making me start the process all over again.
Product: Credit reporting or other personal consumer reports

In accordance to Fair reporting creditor at this creditor has violated my rights. 15 USC 1681 section 602. I have the right to privacy. 15 USC 1680 1 604A section 2. A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under open on a consumer credit plan as open or late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed the accounts multiple times since XX/XX/2021 but they still have not deleted the inaccurate accounts neither have they done a reinvestigation to show a notice of dispute for any of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

my dredit file have been de fade from Equifax, all my account has disappear, I have not credit in equifax
Product: Credit reporting or other personal consumer reports

Why this account is still reporting in my account? I send dispute letters last month and never recieved any response for the bureaus. Please delete this account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, 2019 Balance : {$200.00}
Product: Debt collection

Our dispute to this account is due to the fact that we are not responsible for the original charges ( XXXX. ) and therefore are not responsible for subsequent charges generated by interest and/or contractual collection fees ( Valley Empire Collection ) as we were not living at the address responsible for generating the utility charges since XXXX XXXX, XXXX. During that time, the property was being rented to Tenants who were contractually responsible all utilities. Within a transmission to Valley Empire Collection ( XXXX WA ) were sent XXXX ( XXXX ) separate Residential Lease Agreements outlining the dates the property was rented. Further, particular attention was directed to page XXXX ( XXXX ), part XXXX as each agreement clearly stated " Tenant is responsible for the following utilities and services : Water, Trash and Recycling, and Electricity and Gas and is required to register the utilities and services in Tenant 's name. '' Finally, on page XXXX & XXXX ( respectively ) of the rental agreements we painstakingly highlighted that the tenant was responsible to contact / activate services " before '' taking possession of the residence and that they could NOT take possession until the services were " registered in their name. If they failed to do so before the lease began, the tenant was responsible for any maintenance and charges resulting. '' This agency has been reporting negatively to all major credit bureaus since XXXX which has continually damaged our ability to generate a good credit history / obtain acceptable interest rates on credit cards and even a favorable home loan. 
My last contact with this company to dispute the matter was XXXX of XXXX and now 7months later they are again attempting to collect the debt that is clearly not ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.
Product: Money transfer, virtual currency, or money service

I am 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 vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX*Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the XXXX  data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me..
Product: Money transfer, virtual currency, or money service

I found an individual on XXXX that was selling a set of XXXX tickets to a game. The seller showed me so called proof that the tickets were real and requested me to send the {$950.00} through XXXX for tickets after showing the proof which I thought was the real deal. At this point I sent the {$950.00} to the individual and after that they requested I send another {$260.00} for a transfer name fee at this point they sent a screen shot of XXXX website with the amount and the list of names I provided and it looked legit so I sent the {$260.00} then I verified they received the transaction at that point the individual then requested I sent another {$86.00} per ticket to activate the tickets online. Once I seen that I started asking what is with all the fees and I stated something does not seem right. I demanded that they refund my {$1200.00} immediately, at the time the blocked me on XXXX and was last time I heard from them. I then called the bank and started a fraud case they said would take upto 10 business days to process the case. Today XX/XX/year> I called for a update at which point they has stated that I approved the transaction and they would not offer me a refund. I asked to speak with a manger at which time I was told one was not available. 

Now here we are trying to get some kind of assistance to getting my money back from the back or said scammer the bank does not stand behind there customers. 

Please help me! 

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

This debt collector I reporting an account that I have no knowledge about having.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unprofessionalism that is XXXX XXXX. Seems like every agent I spoke with had this misanthroped way of speaking to you. No-one wanted to hear or understand what my issue was. They constantly spoke over me with a very stolid attitude. I spoke to 6 different agents the 1st was the initial agent that signed me up she stated you pay XXXX to pull all 3 credit reports to see what you have on there and how we can help you. She then gave me 3 different price ranges starting at XXXX to XXXX to XXXX which of course she thought the XXXX would benefit me more ... she advised they offered a family and friends package at XXXX for the XX/XX/XXXX month and XXXX after, and since you don't have a lot you'll only need it until XXXX or so ( it was XX/XX/XXXX ). So I called my brother on 3 way because he's who I was getting the information for in the first place. In the process of the call I agreed to pay the XXXX for both reports and his call dropped so he was not able to get the remaining information nor provide his, they did however have his name, phone, address and ssn. When I tried to provide authorization on his behalf she stated it had to come from him and she would give him a call once we disconnected. Now this is where it went wrong!! Someone did in fact call back but to my number I gave the gentleman the correct number which they already had and I thought that was the end of it ... noo on the XX/XX/XXXX of the following month my card was charged not for the XXXX but the XXXX not once but twice when I called in to advise I was advised that since I was on the call unbenounced to me I agreed to pay for him as well rather I meant to or not and the only way I would get my money back was if he called in and made a payment that cleared!! I couldn't give authorization on his behalf but of course they'll take my money on his behalf ... I said so because I was on the call trying to give your company business I'm automatically financially responsible??? To top it off they have their methods to try and legally bind you they sent me the agreement twice so me thinking I'm signing up for just myself they have me signing up for both. When I requested to speak to a supervisor he continued to interrupt me and when I asked that he be respectful and listen without interrupting he told me he'd listened for 4 minutes already ( as if there was a time limit on how long to listen to a customers concerns ) and when I asked him to just cancel my account and send confirmation that it had been cancelled he tried to give me a discount and because I didnt want to listen to him trying to give me a discount to make up for the unprofessionalism I'd recieved from XXXX he disconnected the call and had the nerve to tell me he was doing so because I was unprofessional!!! Never did I yell never did I curse this is XXXX XXXX!! Beware of the scam you can do it yourself for free!!! Never again!! I'm paying a company to in a way is doing to me what I'm paying them to correct on my report that is the most leery business practice ever!! Beware!!
Product: Debt collection

A company called Cedars Biz Services is pretending to be an Italian Government agency to collect a parking ticket which was paid. Now, they are claiming it's {$400.00} to pay. 

There are no outstanding debts in collections at this time for me per my credit reports. 

They call repeatedly and constantly send USPS mail. I'm not sure how they even got my information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX TX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES 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: Mortgage

Ocwen refuse to change my mortgage payments from XXXX to XXXX .my mortgage for XX/XX/XXXX is XXXX ocwen has n't explain to why I am paying additional {$360.00}. Ocwen has poor customer service and I feel as if they are forcing me to lose my home I emotionally stress.this is the XXXX complaint I do n't understand how this company is not under investigation by the government.
Product: Credit card or prepaid card

I would like to reopen the case # XXXX because Wells Fargo bank is NOT investigating and looking to see if the charge on my credit card is valid. I had a service that was paid but I did not get the service, I raised the issue multiple times with WF and every time they come up with a different reason not to investigate the case. Every time they assign a person to the case and they disappear for a week and then comes with different answer. First they said I received the service and the clinic sent them agreement with the procedure crossed out so WF will not see it, they never investigated why the clinic crossed out the service instead they deny the dispute. I explained to them that the clinic crossed out because they denied my treatment and they called the police to me so I did NOT get correction or followup on the procedure which they crossed out. After informing Wells Fargo and wake them up about the clinic behavior they disappears for a few days and then another person came from WF saying because it is medical treatment then we are not investigating it, so why then they allow people to use credit card for medical treatment, doe not make sense at all. In another response from WF they said we will give you {$300.00} so they can avoid the dispute and avoid spending the time and effort to investigate but I paid {$1200.00} not {$300.00}. There is customer rights under credit act and if the service is bad or not done then a refund must be issued but WF does not follow the credit card customer rights, I need my money back, I have police report, I have proofs or service that was not done and also I have proofs of WF not doing his job in looking after people who charge credit cards without doing the service. 
I attached the police report shows that the clinic stopped me from going to the clinic to correct and followup on my bad XXXX. I also attached two certified XXXX  stating that the procedure has to be redone.
Product: Debt collection

good afternoon, the entity rooms to go closed my account affecting my credit score XXXX, first I had a delay in the card and I paid them with interest, which meant that instead of improving they lowered my quota from XXXX to XXXX, charging an amount of interest and this month that I did not make the payment on the XXXX to the XXXX, they arbitrarily closed my account. It doesn't seem fair to me that they obstinately complicate my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

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

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to inaccurate information being reported on my consumer reports by other CRAs without my permission and the immense hardship and suffering being caused to me because of this false reporting, I requested a copy of my consumer report from Lexis Nexis online in XX/XX/2022 and was denied online access. I was then forced to request my report be sent via mail. I just received a response to my request from Lexis Nexis to which they refused to process my request due to the fact that they are " unable to authenticate my identity ''. 
Lexis Nexis is requesting personal information that I the consumer do NOT feel comfortable sharing. I find this to be very invasive and in violation of my privacy. I have the right to know what is being reported on my report and I do not consent to being coerced to get a copy of my report.
Product: Credit card or prepaid card

SITUATION SUMMARY On XXXX XX/XX/XXXX I signed a fully itemized contract with wedding vendor XXXX  to provide certain goods and services for the amount of {$4900.00} on XXXX XX/XX/XXXX. This signed contract clearly stated under the Agreement clause on page 4 that The only way to change this agreement is to do so in writing and providing the document is signed by all revenant parties. The entire amount due of {$4900.00} was approved by me for payment by Citicard to the vendor prior to the wedding. Shortly after the wedding XXXX presented their invoice XXXX in the amount of {$8200.00}, of which {$4900.00} had already been paid, leaving a balance due of {$3300.00}. As no contract change order had been discussed, verbally approved or memorialized in writing as required by our original contract and ... signed by all revenant parties., we were surprised by this request for additional remuneration and attempted to resolve it with XXXX, to no avail. Absent required written approval, we felt all goods and services provided by XXXX were part of the original XXXX XXXX contracted price of {$4900.00}. Nevertheless XXXX charged my Citicard for the additional {$3300.00}, and I filed a dispute with Citi on XXXX XX/XX/XXXX. 
COMPLAINT WITH CITICARD After filing a dispute with Citi they reversed the {$3300.00} charge against my card, only to reinstate it again on XXXX XX/XX/XXXX. In explaining this reversal Citi said The merchant would not agree to issuing credit ... The merchant contends the cost of services provided included add on services to the event planning. They also included a copy of a add on services contract/agreement ... This add on contract/agreement was UNSIGNED as required by our original XXXX XXXX contract, and could have been prepared at any time. As I pursued this erroneous charge over the past 60 days I was informed that this case was sent to MasterCard for resolution. I was provided after the fact with a Representment Document submitted on XXXX behalf. The problem with this document is they showed an authorized amount of {$8200.00} when in fact the only amount I authorized was {$4900.00} to be paid. XXXX also provided only 4 pages of the 6 page original contract. One of the pages NOT sent to MasterCard ( page 4 ) contains the previously quoted clause The only way to change this agreement is to do so in writing and provided the document is signed by all relevant parties. I have never seen what Citi submitted to MasterCard on my behalf-if anything. I have vigorously pursued this with Citi via phone calls, letters, and documents. I was advised to write a letter to the Office of the President which I did on XXXX XXXX ( Attached ). Even though Citi signed for the letter on XXXX XXXX at XXXX XXXX, I have not yet had the courtesy of a reply. In addition, I requested a detailed explanation and documents from Citi as required by the Fair Credit Billing Act as to justify why they decided to erroneously bill me the {$3300.00}. To date Citi has failed to provide this legally required response.
Product: Checking or savings account

On XXXX XXXX 2017 at XXXX I went to a chase ATM in XXXX California. I tried to make a deposit for {$2100.00}. It got stuck in the machine and didnt post to my account. The machine spit out a reciept that had the terminal id, time, date and it promised it will give me my cash back. They gave me a credit for the missing funds then a few weeks later they reversed the charges. They have been hanging up on me when I call, ignoring messages and doing absolutely nothing to help solve the problem. They have promised that my case would be handed to an executive office but nothing has happened. I was planning on moving to Georgia and this pretty much prevented my move. I have been doing research and it looks like they are doing this to multiple customers.