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

On XXXX XXXX, a charge of {$34000.00} of a purchase I never made appeared on my statement ( enclosed ). When I noticed it, I disputed the charge to Citibank. On XX/XX/XXXX, I received a letter ( enclosed ) from Citibank indicating that my dispute was not accepted. According to them, The purchase was made IN Store with the EMV chip. 
I called the dispute center and explained to them that I never made the purchase, In fact, if you see the merchant ( Best Buy ) address and phone number, they do not exist. I went to the phisycal address that appears on the statement ; there is no Best Buy there. 
They told me to send a letter ( enclosed ) explaining this to their Dispute Center in SD. I sent the letter, they received it on XX/XX/XXXX. I have had no response from them and the chartge is still on me. 
How can I make a purchase with the EMV chip in a store that does not exist??
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a late payment charge on my account for XX/XX/XXXX XX/XX/XXXX -- XXXX -- -- XX/XX/2022. 

According to consumer protection guidelines : A creditor can not mark a payment as late on a credit card account from an open-ended credit plan unless the creditor has taken appropriate measures to ensure that every statement, inclusive of the necessary details mandated by section 1637 ( b ), is sent to the consumer a minimum of 21 days prior to the due date. 

Furthermore, if a credit plan offers a grace period where I can settle any portion of the extended credit without additional finance charges, such charges should not apply to that portion of the credit for that billing cycle. This is valid only if the statement, detailing the basis of the finance charge for that period, was received by the consumer at least 21 days before the specified due date for avoiding the finance charge. 

Given the above provisions, I request that you review my account and verify whether the statement for XX/XX/2022 was indeed dispatched to me at least 21 days before the payment due date. If it wasn't, I respectfully ask for a reversal of the late payment charge in accordance with the above guidelines.
Product: Vehicle loan or lease

On XX/XX/XXXX I went in to XXXX XXXX to purchase a XXXX XXXX from an online advertisement I seen. When I arreived there, an employee advised me that the XXXX XXXX that I was looking for was available but was not currently on the lot because the owner was currently using it as there personal vehicle. Once I heard this, I lost interest! I was then pointed to a XXXX XXXX  XXXX, which this certain employee advised me was priced at {$9000.00}. I then said ok I want it! I was then taken inside to a actual dealer named " XXXX ''. XXXX began by asking me how much was I looking to put down? I advied him that I only had {$1000.00}, XXXX then made a face as if to say no. He then said {$2000.00} was the least that I could put down, I then advised XXXX that I did not have that amount of money at that time. XXXX then said ok, do you have {$1500.00}? I said no but I can get it, XXXX then said can you can drive off with this car right now if you can get me that {$1500.00} and then owe me {$500.00}. I told XXXX to give me a second, I then went into my phone and transferred $ XXXXout of my checking account. I then advised XXXX that I had the {$1500.00}, he said ok. He went on the computer for a couple of minutes looking for loan companies to finance the car. After about 5 minutes, XXXX advised that he had found a company name " CREDIT ACCEPTANCE '' to finance the car. XXXX said Credit acceptance would finance the car and my total would be around {$16000.00} and some change ; I agreed. While I was waiting, XXXX advised me to pay attention while he read the contract to me, when he was finished, XXXX motioned me to sign what he had just read to me Electronically. I signed without even thinking because this was my first car and I didn't know the ins and out about anything, so I just singed the papers Electronically, albeit under the impression that the loan agreement was for a total of {$16000.00} and some change. Once the deal was made I drove off of the lot happy thinking that this was a good deal, however, upon reviewing the contract with a family member, I was notified by that family member that my loan was for a total of {$36000.00}!!! And out of that {$36000.00}, XXXX was subtracted from it as a down payment on my part. As I've stated before, I only put {$1500.00} down as a down-payment. So as you can see, I was baffled by this and right away called XXXX XXXX for an explanation??? They gave none, I then called the loan company, and they advised me that it was nothing thry could do because I signed the contract. In conclusion I ask that this matter be looked into because this has cost me financial burdens, and I would like for this to be reversed and I be compensated for the money spent on this egregious loan.
Product: Credit card or prepaid card

I am NOT represented by an attorney and I am requesting that Capital One please respond to the attached letter that I have sent via certified mail and NO response has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1 [ ... ]
Product: Debt collection

Navient ( formerly XXXX ) continues to call, leave voicemails and threaten to ruin my credit for a student loan my son owes. I did not co-sign the loan. My son has spoken to them several times but they continue to call me. They are extremely rude, refuse to listen when I explain this is not his number and he does not even live in my house or in the same state I am in! I have asked them not to call, to communicate in writing with me if they feel it 's necessary but stop calling my phone. They continue to refuse and say they have every right to contact whoever they want in an attempt to collect the debt.
Product: Debt collection

on XXXX XXXX I received unknown debt amount of {$33000.00} by letter and do not know what I have to do.
Product: Payday loan, title loan, or personal loan

Navy Federal stayed reason for my denied was Excessive Credit Obligations in Relation to income And they stated my XXXX XXXX, and I just pulled my score and its XXXX
Product: Credit card

I applied for a new credit card so I could take advantage of a zero percent interest rate on a balance transfer. With my application I requested a {$7000.00} balance transfer to pay off another card. I was only approved for {$4000.00} and Commerce Bank automatically did a balance transfer for {$3800.00}. They added a balance transfer fee which put me over my new credit limit immediately. I did n't ask for the XXXX amount at any time. I am concerned about negative credit reporting and additional fees and even the lose of my new zero percent interest rate. I feel this is against the Fair Debt Collections Practices Act, Fair Credit Reporting Act and is not fair and responsible lending to set me up for failure in this way. I called the bank and they said they do not report on my card. I would like my credit line increased or the balance transfer fee waived so I 'm not over my limit. I also want confirmation this will not impact my zero percent interest rate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had a charge on my card from a business that ended up being a scam ( a fake business called XXXX XXXX XXXX ). I brought this to the attention of CashApp on XX/XX/XXXX including sending with it screenshots of my attempted conversation with the business. The company website has a section to input your order number and email to check order status. When I input this I get no order that comes up. So I get in the chat and have been trying to speak with the 'business ' for over a week and they will not reply. I took this to cashapp so fast because I didn't want to wait and let more time elapse. So I sent Cashapp my screenshots and the next day they denied it on the basis 'the merchant performed their duties ' which is impossible and didn't happen. I immediately disputed that decision and sent them updated screenshots so they could see the 'company ' was still ghosting me after my requests and the very next days cashapp denied me once again on the grounds the 'merchant performed their duties. ' I then contacted XXXX and they told me they only people who can do anything are cashapp or their issuer, XXXX XXXX. Only XXXXXXXX XXXX don't return phone calls nor have any standard customer service person to call ( unless you have a XXXX Account to type in ). Cashapp has been extremely unprofessional and unhelpful and its shocking to have a financial institution treat its members this way. For CashApp to deny this twice with the evidence I sent is disturbing. 

This fake website XXXX ' is now completely down. I included a screenshot of that which I just took today. 

The picture of the original receipt that shows the charge, That was all they gave me as a receipt. No email came through which was concerning. Had I not taken a picture of this screen I never woulda had my order number to try their fake order check system. 

The pictures of a binding ( there's XXXX of them ), look in the bottom right to see me attempting to make contact with them for days, until their website shut down.
Product: Credit reporting or other personal consumer reports

XXXX has stolen money submitted unilaterally that I sent on XX/XX/24 for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.
Product: Vehicle loan or lease

Payoff check was sent on XX/XX/2020 and received by Ally Financial at XXXX XXXX XXXX XXXX Ky XXXX on XX/XX/XXXX at XXXX XXXX. 
A Certified Return Receipt mail was used to track the check. Tracking number XXXX. An Official Bank Cashier 's Check made payable to Ally I/A/O {$46000.00} was sent for full payoff and extra per diem. 
Ally is threatening to repossess this vehicle and claims to not have received the above- mentioned Cashier 's Check. The return receipt shows a signature of a XXXX XXXX. Proof of this delivery and image of the signature was provided to Ally on XX/XX/XXXX at XXXX via Ally fax number XXXX. 
There have been three attempts to communicate and ask Ally to locate this check which was duly delivered to them on XX/XX/XXXX. We are asking for government help in stopping a large corporation from hurting the credit and unlawful repossession of this XXXX XXXX XXXX XXXX. 
Thank You
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XX/XX/XXXX
Product: Debt collection

I had a lease with XXXX XXXX XXXX. I learned that the building had been water damaged and broke the lease. I subsequently filed a lawsuit to get back my security deposit, at the time the case was adjudicated, XXXX XXXX had made claims of money owed to them. They raised this in court on both hearing days. Ultimately, the case was decided as follows on XX/XX/2022 : The Court Finds in Favor of the Defendant The Defendant does not owe money to the plaintiff on the plaintiff 's claim No money is owed on this claim The defendants had 30 days to appeal the decision. The defendants did not appeal the decision and the decision was not appealed. About two weeks after the decision became final, the defendants contacted a debt collector to pursue collection of the debt they had sought in court. This time, as " XXXX XXXX XXXX  '' which is another entity within the XXXX XXXX XXXX structure and is thus in privity with XXXX XXXX and thus res judicata and claim preclusion apply. 

The case was over the lease, a contract matter. All issues under the lease -- both plaintiff and defendant ( the debt they are trying to collect ) were fully mature before the first hearing on XX/XX/2022. The issue at stake was breach of contract thus both the claim and the issue have been decided.
Product: Credit reporting or other personal consumer reports

XX/XX/ 2024 I disputed an error on my credit report for an agency by the name of XXXX XXXX XXXX for a debt in the amount if {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I was having issues connecting my external account to US Bank and spent an hour on the phone with them. Then on XX/XX/XXXX at around XXXX XXXX EST shortly after successfully linking my external bank and depositing {$25.00} into my US Bank savings and a {$100.00} deposit into my US Bank brokerage account, I was logged out and my online and phone application access locked. With US Bank I have 2 active credit cards, a savings account, and brokerage account and my wife also has 1 credit card with US Bank. I was actually approved for my first credit card with US Bank in XX/XX/XXXX, so I have been a customer of US Bank for almost the entire year. 

I asked support why my account was locked and the first support agent said because of maintenance, but I knew this was a lie because my wife was able to log into her account. When I confronted her on this fact and requested a supervisor, she terminated the call. 

I called again and the next agent said its standard that this happens and said that since I agreed to their electronic agreement, they hold the right to lock me out of my account anytime. They never gave me a specific reason why I was locked out, or anything that I could do now but wait 72 hours until Sunday XX/XX/XXXX to call in and see they could unlock the account. I again requested a supervisor and this time after a long wait I was able to get a supervisor. 

I requested permission to record the supervisor for this CFPB report, but she said recording is not allowed. I then asked if she could provide documentation of the conversation or a resolution or even a reason why I was locked out as documentation for this CFPB report and again she said that was no possible. 

Then she claimed that I just needed to wait 48 hours, and I could call in at any time on Saturday at XX/XX/XXXX to regain access to my account. I asked why I was told it was under maintenance and why I was also told 72 hours and now 48 hours and she could not give me an answer. 

I asked for a specific time when I could call, and she said any time on the XX/XX/XXXX. I asked if I could call at XXXXXXXX XXXX on Saturday and she paused and then clarified that it should be 48 hours after my last login attempt. I offered my ID, or any verification needed from me to resolve the issue now so I could regain access to my account. I was more than willing to hold for someone to authorize me, but no resolution was provided to me.
Product: Credit reporting or other personal consumer reports

On several occasions, I have asked XXXX, XXXX and Experian to delete a bankruptcy account that was added to my credit profile in error. 

XXXX XXXX XXXX Case type : XXXX XXXX : XXXX Asset : No Vol : v Chief Judge : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Date of last filing : XX/XX/2019 Date terminated : XX/XX/2019 I have reached out to the court. And I was informed that they do not share this information with the credit reporting agencies. I then reached out to XXXX and they informed me that the record would be deleted from my consumer report. Once I gathered this information and informed the credit reporting agencies, they stated that they researched the information. Which is not good enough. According to consumer law under 15 usc 1681i, all accounts must be verified for accuracy. In this case, it was stated both by the bankruptcy court and XXXX that proper verification was not done.
Product: Payday loan, title loan, or personal loan

Ive made multiple attempts and multiple times not receive any assistance by multiple associates including supervisors at local branch and customer service number. Not happy or with service received from my local branch where my account is located. ( The XXXX location ) The branch has giving me a hard time about my inquiries regarding my account and has been extremely rude, dismissive and not willing to assist me with my concern on multiple occasions. I spend several hours reaching out for assistance and continue to be transferred from one person to another to another over and over again and no result. I have a Daily interest loan with high interest rate. I am well aware of. My concern is Ive noticed my payment these past few month as been going more towards interest and less towards principal. Ive had this account for some time and made all payments as scheduled and never missed a payment. Over time with this account I should see more of the payment applied toward principal and less toward interest. That is not the case. At this point I feel I am being robbed and this account is not correct. Please look in to this matter and assistance me as soon as possible. I will look to escalate this matter to executive office. I hope to hear back from someone regarding this urgent matter. I do not want to speak with anyone from my local branch. 

I am completely dissatisfied with service Ive received up to this point and dont wish to do any further business with this OneMain financial and would not recommend or refer any to do so themselves.
Product: Vehicle loan or lease

On XX/XX/2020, I was approved for a car with XXXX XXXX XXXX of Virginia. I live in Maryland and had to catch the subway to XXXX where I joined XXXX to take me to the dealership. Upon my arrival, the documents were already laid out for me to sign. It was approaching closing time and I was urged to without even time to read what I was signing. The lady told me that it is past closing time and she had to go. I had to sign. I was able to see after signing that my monthly payment would be {$480.00}. The amount of credit was {$18000.00}. And the finance charge will be {$14.00}, XXXX. All this came to my knowledge after I finished signing. There was no turning back, it seemed. 
Two weeks later, the Covid Pandemic struck. I lost time at work but I still managed to be making payments. After paying close to {$9000.00}, the XXXX I financed, has gone nowhere. 
I called Credit Acceptance and they told me there is nothing they could do. 
I tried to refinance the car with XXXX XXXX, they would not. They said i owe more on the car than the car is worth. The car is used and is beginning to require serious maintenance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked XXXX XXXX to provide proof of ownership for the account they having reporting on my credit file as of XX/XX/2022they still havent provided proof of ownership of this account. Also, there were unauthorized charges on this account that I disputed still waiting on XXXX XXXX to provide me with all signatures provided on each and every transactions. I disputed that within the 30 window and still nothing, this company should not have been allowed to report anything to the credit bureaus. This company is in violation of The Fair Credit Reporting Act m. Please remove account from all three credit bureaus immediately.