23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citibank Billing Dispute/Case # : XXXX I am the victim of a scam, perpetrated by XXXX XXXX XXXX in the amount of XXXX Originally on XX/XX/20, I wanted to order a XXXX bottle of XXXX  oil  on a website. While on the website, XXXX.XXXX, a page popped up about another product & I couldnt figure out how to navigate away from it, so somehow XXXX billed me XXXX. I received both products, but I called Citi to dispute the XXXX charge and they were reversed. I offered to send back both items. 
Upon checking my online activity, I saw a charge on XX/XX/20 for XXXX from XXXX. I knew I never ordered from them, nor had I received anything. I called their XXXX # on the statement & the Representative was very nasty and told me I would have to pay for it. 
I am XXXX & would not order a muscle building product! I dont understand how this happened. I have no emails from any of the three websites confirming order or shipment. Their own return policy states We believe in complete customer satisfaction. You have 30 days to request a refund after you have placed your order. If I had received anything, I would have requested a return & returned it. But I was charged XXXX with no order confirmation, AND RECEIVED NOTHING. Citibank insists I provide documentation showing the Merchant agreed to credit my account how can I show a paper trail when I didnt receive anything, including the XXXX bottle? The XXXX has not had to provide proof it was shipped to me, yet they are given the benefit of the doubt. This is a total scam that started when I bought a XXXX bottle of XXXX and snowballed into this. 
Thank you.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 u.s.c 1681 section 602 states that I Have the right to privacy. 15 u.s.c 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under15 section u.s.c 1666b a creditor may not treat a payment under a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX also has not addressed my complaint about an overzealous repo man who reported to XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX he proceeded to bang on and try to break open the garage door in an attempt to repossess. my XXXX  XXXX XXXX he banged on the door of the residence and also banged on the garage door.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXXL, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I only have credit cards with Chase. I use XXXX a lot and Im used to paying with my chase credit cards. Now chase is banning the use of my credit card with some companies forcing me to use their XXXX  service. If I pay my credit card bill on time I should be able to use my credit card wherever I want. Its an arbitration on behalf of chase to force me to use their services. Im closing all my credit cards with Chase because if this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Checking or savings account

We opened 2 CD accounts with Wells Fargo payable to the XXXX 's XXXX XXXX XXXX for our bond which is required to have an active XXXX 's license in California. The CD bond money is the property of XXXX 's XXXX XXXX XXXX and as such can not be accessed by ourselves and more importantly Wells Fargo. As per the attached letter we have made our position to Wells Fargo quite clear. In essence Wells Fargo 's actions caused us losses of personal health, customers, job income, legal fees and time. Wells Fargo contacted us and asked if we would accept {$1500.00} for the unauthorized closing of the CDs which we declined. Subsequent to this offer we entered into a mediation process. During the mediation the Wells Fargo representative who had previously contacted us lied about what the {$1500.00} offer was for. Instead of admitting that the offer was for the CD 's he said the offer was for an unauthorized credit card that they opened which occurred the same day they closed the CD 's.  The credit card issue was never mentioned in that conversation and in fact Wells Fargo made a {$200.00} offer which we accepted as settlement in full for the unauthorized credit card in our name months before he called us about the CDs. We are not certain where we go from here so we are appealing to your agency for help and direction
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report, as I am a victim of identity theft. This request is made pursuant to the protections provided under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and should be removed from my credit file : 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 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: Debt collection

I received a credit alert email on XX/XX/2023 from XXXX that my credit was negatively affected by a debt of {$28000.00} to Rent Debt Automated Collections on behalf of XXXX ( unknown spelling ). I have no relationship with either of the above companies - my identity was stolen for this account. 

I called RDAC and they are sending me a fraud packet to complete. I will also file a police report. I have no contact information for XXXX.
Product: Credit card or prepaid card

I had an XXXX XXXX XXXX and i closed the account about two months ago after completely paying it off. 

They later on charged me 30 $ cause my pay off was a few days late, no argument i pay that. 

After another two months i recieved a statement that i owe XXXX $ in fees on said closed account even though I completely paid everything off.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, but to date, there has been no response from them. I am writing to bring your attention to the inaccurate information and seek your assistance in resolving this matter. 

The following account with XXXX XXXX ( Account # : XXXX Date Opened : XX/XX/XXXX, Balance : {$430.00} ) inaccurately reports a late payment. Please correct/update this information on my credit report. 


Similarly, another account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) incorrectly reflects a late payment. I request the correction/update of this information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) is not mine. Kindly remove it from my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) is not associated with me. Please remove it from my credit report. 


The XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs further examination due to incorrect reporting. I request that you report this account as disputed while I address the matter directly with the creditor. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) is not valid. Kindly remove it from my credit report. 


Another XXXX  account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) is inaccurately listed. Please remove it from my credit report. 


The third XXXX  account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) is not mine. I request its removal from my credit report.
Product: Credit reporting or other personal consumer reports

I sent certified priority mail to XXXX asking that fraudulent items be removed from credit report. I sent out letters for each inquiry hard pulls and soft pulls I addressed to XXXX my concerns by phone and mail XX/XX/year> I did make XXXX aware that accounts in my credit report are fraudulent XXXX has aggressively disregarded my complaints and fraudulent items remain on my report hold back my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account close in the year XXXX for XXXX and I notice the account reopened for XXXX on XX/XX/XXXX stating I owe money. I contact the bank and they stated, it was a mistake the account was closed in XXXX. The lady stated she did not see anything on her end about the account being open at XXXX. She only sees the account being closed in the year XXXX for XXXX. I contact XXXX, Transunion, and XXXX to put in a dispute in XXXX with no changes and my credit usage is 181 % which is incorrect. The other credit score credit usage is 47 %. All my XXXX XXXX cards are closed and using XXXX XXXX to consolidate credit cards to a monthly payment. This is hindering me from applying for a loan on a house. Then XXXX stated, don't worry about the credit usage being higher, however, it will not stop you from getting a house. I talk to a realtor she stated, XXXX and XXXX XXXX XXXX are stopping me from purchasing a house. The credit usage is high and incorrect information on credit reports with open accounts that are closed.
Product: Checking or savings account

I have XXXX checking accounts with Synovus Bank, back in XXXX I noticed unauthorized transactions on my debut card, several transactions using XXXX and XXXX with at XXXX XXXX shop. I disputed this transaction with the bank and the refunded me for the transaction with XXXX XXXX shop and sent me a replacement card, but for the cashapp transactions no dispute was opened, this cashapp transactions in total was almost {$8000.00}. 

Last month XXXX I noticed another set of transactions using several crypto platforms, it dawn to me that both debit card was compromised the first but I didn't realize it at time. I called the bank again to dispute the transaction and also dispute the crypto transaction this time ( i dont have a crpto account neith fo i know how that works ). The checking account where the crypto transaction was done was completely closed by the bank, while my other checking account was frozen with my funds in it ( for reasons I don't know ), my XXXX deposit was rejected because of this freeze. 

I want my money bank and my account unfreeze, the debit card should have been replaced and the transactions disputed, not freeze my account completely with my funds in it. I can't even pay my bills and can't get groceries, I have called the bank several times but they kept hanging the call on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

On XXXX, I filed a dispute with Chase Visa for a charge to my account made by XXXX XXXX ( XXXX ) on XXXX. The charge was for two 1-way airline tickets from XXXX, XXXX to XXXX XXXX, XXXX, scheduled for XXXX. On XXXX, I received notice from XXXX XXXX that this flight had been canceled and that a refund " voucher '' was offered. As this flight was canceled by XXXX XXXX, not me, a full refund to my charge card is allowed by XXXX law and US law ( Fair Credit Billing Act 1974 ). 
On XXXX, Chase Visa requested additional information concerning the dispute. On XXXX, I provided copies of the XXXX XXXX email stating they canceled the flight ; copies of my attempts to contact XXXX XXXX for a refund ; a chronology of all communications with Air XXXX ; and a clearly stated summary noting that I did not cancel this flight. XXXX XXXX replied to the dispute that I canceled the flight ( no proof given, just the statement ) and this was a " non-refundable '' ticket so not eligible for a refund. Chase agreed and said the charges were valid, even though they had written proof I did not cancel this flight. 
I re-disputed these findings on XXXX providing yet more information and emails from XXXX XXXX showing I did not cancel the flight. Again, on XXXX, Chase Visa replied that, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error occurred on your account. '' I contacted Chase Visa Disputes department and was told that there were no " errors '' in my billings. The agent also said this was evaluated as a " billing error '' dispute, not a " merchant did not perform contracted services '' dispute. She continued to say that there was nothing more that could be done since I had re-disputed these charges, but if I wanted, i could resubmit all my data again and possibly it would be reviewed. 

I don't understand how this is a valid charge against my account and that Chase Visa has sided with a merchant that clearly has committed fraud, at their own acknowledgment. What can a consumer do in these cases where Chase Visa chooses to blatantly ignore the facts, written proof, and charged the account? Where can I get help? 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing a collection on my credit report for XXXX XXXX. They denied them. I just looked closer today and noticed the dates of the day accounts were opened are inconsistent and other errors. From my understanding the information has to be correct across all XXXX reports. The information is not correct. The dates were in XXXX when I learned I had identity theft. And then the XXXX week of XXXX of XXXX. I filed the dispute and they came back and said it was me. Due to the inconsistency shouldn't it be removed?
Product: Payday loan, title loan, or personal loan

Took out a Title Loan on a vehicle for the amount of {$2500.00} Paid on this loan on time for 5 months. The interest kept raising, to where I was unable to afford the 500 % increase in this loan. 

The vehicle was repossessed by XXXXitle Company " 800 Loanmart ''. 
Their address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number : XXXX However, they continue to add interest to this loan and keep it on my credit reports as in default of {$17000.00}. with the account " charged off '' in the amount of {$2500.00} They continue to charge interested on a loan that was charged off and repossessed.
Product: Checking or savings account

on XX/XX/XXXX, I received an email from ally bank where i keep certificate of deposits, in regards to if i bring additional funds. I can possibly get an additional bonus of 1 % upto {$500.00} according to the offer I had to deposit the additional funds in bank by XX/XX/XXXX. and the bonus will get deposited if not earlier right at XX/XX/XXXX. I did everything according to guidelines. 
Its past the scheduled bonus date and I have tried to contact them numerous times ( precisely 9 times by phone, one time by chat and one time by email ). All the customer service is saying is due to their high no of complaints they will reach out when my no in line will come. till that time they are doing research and not giving me satisfactory resolution. If you need copy of the email 's i am happy to send that to you. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to Equifax, XXXX, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract.

Credit bureaus are required by [ FDCPA ] to repair or delete any information that can not be confirmed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

was on the phone with chime regarding a {$6.00} charge to dispute it was transfered to someone who said he would walk me through the steps to dispute the charge and my account would be credited i was asked to confirm the amount in my savings and checking account and told how to request the XXXX payment be replaced and i remember all the steps i was then told to log out of chime the log back in and the {$6.00} would show as credited back to my account the representative asked me to log out and let him know when i was out of the chime app i did so and the representative hung up the phone when i logged back in my savings and checking accounts were emptied i notified chime and was told it would be treated as a dispute but the claim was denied even though it was their representative who stole the money from my account
Product: Credit reporting or other personal consumer reports

Sensible Auto Lending LL XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX Mt XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Reliable Auto Finance IN XX/XX/year>
Product: Vehicle loan or lease

Breach of peace in repossession. Personal property was confiscated on the scene against my protest Police should have stopped the improper actions of the repo agent. XXXX XXXX had only a unofficial, questionable computer " order '' on a tablet Went to retrieve items after and was denied access
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX Balance XXXX {$410.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX : {$410.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$210.00} XXXX XXXX Balance : {$1900.00}