23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This was my first time utilizing my citibank account and I rented a car from XXXX XXXX XXXX  on XX/XX/year>. The total was {$750.00} with a deposit of XXXX. I returned my rental on XX/XX/year>. When I looked into my account not only was it overdrawn, but my money was missing. I deposited well over XXXX dollars in my account to cover any extra expenses I had while traveling. I have spoken with XXXX  multiple times and they informed me, that my deposit was released at XXXX on XX/XX/year>. It is now XX/XX/XXXX and Citibank has been giving me the complete run around about where my security deposit is. On XX/XX/year> I started calling Citibank about the status of my deposit. No matter who I talk to at Citibank Im met with rude, incompetent customer service representatives who do everything but help you with your issue. I have called Citibank multiple multiple times and Im always told they dont know where my deposit is and dont see anything coming in. Its so frustrating. Its a complete waste of time to continue to contact citibank about this with absolutely no help on their end. I have used XXXXXXXX XXXX XXXX  multiple times in the past and never had this issue. This is my first time using my citibank account with sixt to rent a car and I come across this issue. Im not sure why Citibank is holding onto my deposit but I need my money back. If any additional information is needed please let me know. This has been a horrible experience for me and Im not sure how Citibank is still in business.
Product: Payday loan, title loan, or personal loan

First of all. Anytime I call this company every person that I speak with, tell me something different. I had loan of {$1000.00} from this company. I paid that off. Now I need my payoff letter to take of a mortgage and I'm close to my closing deadline, any time that I call nobody can't help me. This company doesn't care they take no action. I DON'T OWNED THEM ANY MONEY I NEED MY PAYOFF LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.
Product: Checking or savings account

In the middle of XX/XX/2022 while scrolling through my Fifth Third Bank statement I noticed something odd. A check issued by the XXXX XXXX XXXX for the amount of {$7200.00} had been withdrawn from my XXXX  Account. This company is unknown to me. I called the bank and was told to come in and complete a Fraud Packet. I proceeded to do that and with the help of XXXX XXXX i completed the form and had it notarized. On XX/XX/2022 it was submitted and assigned the case # XXXX. On XX/XX/2022 I received a letter denying my claim for the following reason : the time frame for submitting a disputed transaction is 30 days after your related statement and date. Unfortunately, this dispute was submitted outside of that timeframe. I have subsequently learned that checks can be drawn from XXXX Accounts and have informed the bank to cease that practice with my account.
Product: Money transfer, virtual currency, or money service

I opened an account with coinbase in order to purchase and store bitcoins. After purchasing bitcoins, I was able to safely store them in a digital wallet and, more securely, in a digital vault. 
In order to verify withdrawal transactions from the vault that I had created, I was asked to list a secondary e-mail address as confirmation. I have since lost access to this secondary e-mail address and have not been able to withdrawal my funds from the digital vault to my digital wallet on coinbase. 
I have e-mailed them numerous times asking if this issue can be resolved. In reply, I was told that they would be able to safely transfer my funds from my vault to my wallet and that they were working on the issue. It has been over 3 months now and I am still waiting for them to resolve this issue.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

For several months I have periodically received a phone call from an unknown number. Today I received multiple and finally decided to call the company back. It turns out they have my number on file for a debt owed by another gentlemen. Multiple representatives informed me that my number could not be removed from their system and that they would keep calling until it is paid. Upon requesting a supervisor a gentlemen by the name of XXXX XXXX answered the phone. This gentlemen was very rude from the beginning. He informed me that he would make a not that my number is not for the account holder but refused to actually remove it from the system. He begin informing me I was waisting his time. He then began insulting me, calling me a child, informing me I have nothing to do with my life, and being extremely rude to me. Meanwhile I maintained my composure and respect the entire time. He compared me to a drug dealer as well for some reason. I want my phone number removed from their system and confirmation once complete. It is illegal for them to harass me for a debt owed by another person. My phone number is personal information and I have had the same phone number for 15 years.
Product: Credit card or prepaid card

The online account summary shows " available credit '' as approximately {$1200.00}. When I presented my credit card to pay for {$280.00} purchase, it was declined.
Product: Debt collection

On XX/XX/2018 I was notified through my credit monitoring that I had a derogatory mark placed on all 3 of my credit reports. After viewing the account, I noticed Waypoint Resource Group had placed a collections account in the amount of {$200.00}.

I never received a Validation Letter to dispute this said account. So I called them directly and was told that it was my responsibility to contact the original creditor and validate my debt with them, which I believe is not my responsibility to do so, its the debt collectors.

I did research on Waypoint Resource Group on XXXX reviews and found that there is multiple people complaining about them just placing collection accounts without any notification.
Product: Checking or savings account

Ive had numerous issues with Wells Fargo since 2021. My accounts have been hacked, compromised, switched along with my online accounts. I was charged overdraft fees when I shouldnt have and my accounts have been closed without my permission
Product: Checking or savings account

I have opened an XXXX account ( XXXX XXXX XXXX ) in Bank of America in the late XX/XX/2022, for the opening account bonus ( XXXX dollars deposit for the XXXX dollars incentive with 90 days maintenance ). To meet the requirements, I used ACH transfer to deposit XXXX dollars. I did not receive the bonus after that long period ( from XXXX to late XXXX ) and I called the stuff for my case. Then they told me that my transfer is not a kind of deposit ( where they think I need to deposit money to the account from ATM ), so I do not meet the requirements at all. I did not receive any notification for it during such long time. I checked the offer carefully, and it only showed " deposit a new money ''. From the definition of deposit : " One kind of deposit involves a transfer of funds to another party for safekeeping. Using this definition, deposit refers to the money an investor transfers into a savings or checking account held at a bank or credit union '', I do believe my ACH transfer belongs to a deposit and meets the " deposit '' requirement. But BOFA stuffs refused to pay me the incentive and told me it is just because the ACH transfer is not a deposit. I think it is too mean for the explanation after I put such amount of money in their bank for a long time. Nowadays, many people have money in different accounts/banks, so it is normal for people to move money from different places with ACH transfer as a deposit method to meet some opening account requirements ( like XXXX bank XXXX XXXX, they account ACH transfer is a kind of deposit when I finish the similar deposit offers ). 
I have never seen such harsh conditions. Please help me for this case. Thanks
Product: Credit card or prepaid card

I originally purchased a vintage cd rom reader from an XXXX user named " XXXX XXXX '' or " XXXX '' for {$180.00}. The merchant had a return policy window during which the buyer could pay to return it for a refund. The item did not read cds properly. I received error messages, so I contacted the merchant who told me to return it for a refund. I paid to return it, but the merchant refused to refund me. The item was sent XX/XX/XXXX and delivered XX/XX/XXXX. The ups tracking number was XXXX. Then I contacted the credit card company American Express to initiate a dispute. I told them that the item had been returned to the merchant, but I did not receive my refund. The dispute was received on XX/XX/XXXX. They closed the dispute in the merchant 's favor and claimed the item was " damaged. '' I reopened the dispute and told them the item was not damaged when I sent it, and I returned it in the same manner I received it. The item already didn't work properly which was why I returned it. My reopened dispute was received on XX/XX/XXXX. Apparently this dispute was also closed, but I received zero notice of this. I happened to notice it was closed when I checked my disputes today on XX/XX/XXXX. When I called American Express they told me they had again closed the dispute in the merchant 's favor because of " damage. '' Again, I told them that I had no knowledge of how this may have happened if it indeed did happen. I explained that I shouldn't be paying for an item that is not in my possession and that has been returned with proof of delivery. They decided to again reopen the dispute today on XX/XX/XXXX mostly on information I had already provided previously. I currently await a resolution to this matter with no exact date, but I find it troubling that American Express is trying to hold me liable for a returned product that was defective. It is also very disturbing that they are deliberately siding with the merchant and their claims of " damage '' over myself, the customer, who already told them it was not damaged. By this logic American Express will take the side of any merchant against the customer for any return based on whatever claim made by the merchant. I shouldn't be forced to pay {$180.00} for a product I do not have in my possession, and I am hoping they will eventually realize this. If not then I'm hoping this letter I'm writing the Consumer Financial Protection Bureau will prevent this unlawful action of American Express. The uploaded documents include XXXX proof of delivery XXXX picture of product with price XXXX picture of return policy
Product: Money transfer, virtual currency, or money service

Someone hacked my phone and I told them about it nothing was done
Product: Debt collection

I received notification from my credit card that there was a change in my credit and learned that XXXX XXXX XXXX had submitted a negative credit report. I have not spoken with anyone from this company, and when I looked at the credit report, it was the SAME negative credit entry from XX/XX/2023, therefore its a duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. XXXX has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the below companies to access my credit report : XXXX XXXX  Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX  XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Vehicle loan or lease

Over paid loan by {$2900.00}. 
Did not receive any payoff paperwork and kept making the payment after the loan was paid off. Called to see why I was not receiving any invoices any more and they said it was paid off. I said I did not receive any release of lien paperwork and they said I wouldn't.. It was a XXXX XXXX that was financed. I asked if I had overpaid the loan and they said yes by {$2900.00} and I said when were you going to refund it to me and she said they weren't. She said I had to fill out paperwork and I did so on XX/XX/20 and she told me it would take 60 days. I have not received anything yet. 
my loan number is XXXX contract number XXXX. the payments were {$710.00}. 
It was with P N C XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX, pa XXXX
Product: Credit card or prepaid card

I have b een a Discover ca rd customer sin  XXXX . Over this time, I have reached my maximum balance and have paid off in full several times, the last time I paid off in full (  XXXX  ) was in  XXXX   XXXX . I have continued to use the card since, and because I have been using automatic deduction from my primary checking account, I did not realize that there have been an increase in my APR to 29.99 % from  18  ; however the rep I spoke to stated that it had bee n 24 for s ome time. I was also told that because I had been late in  XXXX !, they had raised my APR, and unfortunately, would not be able to lower it. I have a fair to good  credit score ;  however it is generally in the good range, as I am able to meet my financial obligations. I feel violated by Discover, and after searching on the internet I now realize that there are many more consumers with similar complaints.
Product: Credit card or prepaid card

XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$670.00} I have tried to file a fraud claim for the above charges as they were not authorized by me and RCI Barclay keeps telling it isn't fraud and wont give me a solution to the problem after explaining I found these charges after preforming a minor audit. I know I should be more on top of my finances and I will moving forward. They just keep telling me that since I payed my bill with my bank account this isn't fraud. I don't always review every charge on my statements I just make the payment. I don't think I should be penalized for making my payments on time.
Product: Credit reporting or other personal consumer reports

The LAW has clearly established that financial institutions are not permitted to sell or disclose my nonpublic information without my written instruction, consent, or permissible purpose, and that I must have the opportunity to OPT OUT. I was not given this opportunity, and this is a violation of the FCRA, GLBA, and FDCPA. 

These are the specific violations that have occurred and the laws that make these actions unlawful with a penalty and remedy if pursued in court : 1. XXXX XXXXXXXX XXXX illegally shared transactions and experiences on my consumer reports. This is a direct violation of 15 USC 1681a ( 2 ) ( I ), which states that reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. 

2. XXXX XXXX XXXX disclosed nonpublic personal information to a non-affiliated third party without providing me with the required notice under 15 USC 6802 ( b ) ( 1 ). 

With knowing the law, I DEMAND that the transactions and experiences of the XXXX XXXXXXXX XXXX account must be removed from all my consumer reports. I have registered a fee schedule with the court clerk in my jurisdiction. If this matter is not resolved within 7 days, I will take legal action, including but not limited to reporting this activity to all government entities and regulating agencies. I will seek out the IRS, SEC, FTC, FBI, FinCEN, OCC, FCC, CFPB, all applicable governors of the corresponding states, all applicable District Attorneys of corresponding states, all applicable Attorney Generals of corresponding states, and the Department of Justice to create and impose litigation and arbitration amongst all parties involved. Then I will seek legal representation ( with whom I already have an attorney on retainer ) to purse remedy based on my registered fee schedule and the unlawful acts that have occurred. My fee schedule includes the credit reporting agencies must pay me {$1000.00} per day for each day that they continue to report this false and fraudulent information. Also, after 15 days the credit reporting agencies must pay me an additional {$20000.00} in attorney fees. Additionally, XXXX XXXXXXXX XXXX must pay me {$2500.00} per day for each day that they continue to violate the FDCPA and engage in unfair and deceptive practices. 

I thank all parties involved for taking swift actions in resolving my matter at hand and obeying the law as I am demanding this XXXX XXXXXXXX account being removed IMMEDIATELY.
Product: Credit card or prepaid card

To Whom Can Help Us : Problem : Chase Bank charged excessive fees over a period of XX/XX/XXXX-XX/XX/XXXX * Total Amount of Fees Charged During Period : {$9900.00}. 
Highest Fee Charged in One Month : {$660.00} Two Service Fee Charges in One Month : Many Source : XXXX XXXX XXXX Chase Bank Statements * NOTE : I was extremely ill for a long time when these charges were happening or I would have addressed them at that time. My illness led to my retirement from XXXX and I'm on XXXX XXXX. 

XX/XX/XXXX- As I finally slowly been getting better, I'm questing every significant value that makes no sense in my lifestyle. Given this, I sent a secure message to Chase Bank ( my bank ) expressing my concerns and I was going to get to the bottom of it starting with downloading my online bank statements from XX/XX/XXXX-XX/XX/XXXX. AND I found Chase Bank charged me excessive Cardmember Services Fees. These fees were charged to my personal checking account for my business account, XXXX, XXXX. 
XX/XX/XXXX- Chase said they would forward my message to Chase 's credit card team. I never heard from Chase credit card team until much later when I called them. 
XX/XX/XXXX-XX/XX/XXXX- Chase Bank stalled by demanding my husband or I present the 16-digit credit card number ( s ) for XXXX, XXXX credit card. We didn't have the cards anymore. Chase closed XXXX credit card in XX/XX/XXXX. We shredded our cards. All receipts from my XXXX files showed only the last 4-digits of the credit card number. 
XX/XX/XXXX Finally, I talked to Chase " HQ '' and within 15 minutes I had two 16-digit credit card numbers associated with XXXX business checking account, which Chase did NOT charge fees ; BUT charged excessive fees to my personal checking account. 
XX/XX/XXXX Using Chase secure messages, I provided Chase with XXXX 's 16-digit credit card numbers for my husband and for myself as given to us by Chase " HQ ''. 
XX/XX/XXXX Chase 's secure message response didn't mention the 16-digit credit card numbers, rather they made comments like : They couldn't pay statements older 6 years and they couldn't pay all charges owed, they couldn't ... 
XX/XX/XXXX This is the day my husband and I stopped communicating with Chase and sought guidance from professionals who know how we should proceed from here. 

Thank You. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XX/XX/XXXX