23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, On XX/XX/, I called Citibank to open a dispute on my credit card for the transactions related to XXXX. I informed Citibank that we found evidence that XXXX is operating under a pyramid scheme. However, based on their letter sent to us on XX/XX/, they closed the dispute and said that I have to accept the responsibility for the disputed charges. I also received a letter from them dated XX/XX/ saying that they are looking into the dispute. 

On XXXX XXXX we mailed XXXX pages of documentations providing evidence of the XXXX XXXX and XXXX pyramid scheme, but Citibank closed the dispute without ever reviewing the evidence. The United States Federal law makes pyramid scheme illegal and protects citizens against such scams. 

I will attach the same documentations sent to Citibank to CFPB in our complaint submission which includes all of the evidence that Citibank chose to ignore before finalizing their decision on the dispute. Citibank is providing the merchant the ability to continue charging me on the new account which should not be possible since the merchant do not have my new account information. This would make Citibank an accessory to the pyramid scheme. 

My expectation for a resolution would be to have all of the charges associated with the XXXX XXXX and XXXX pyramid scheme removed from my accounts and I do not want to be penalized or lose the accounts because I have almost a decade of perfect credit history prior to these scams. 

Enclosures : -Copy of documentations to proof the XXXX XXXXXXXX and XXXX pyramid scheme that was sent by mail to Citibank on XX/XX/XXXX XXXX  -Copy of scanned dispute update letters from Citibank date XX/XX/XXXX and XXXX XXXX XXXX  Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report and is reporting INACCURATE information about an account that has been PAID IN FULL and closed since XX/XX/. They are not reporting that the account was ever paid late but, are reporting inaccurate information instead. The inaccurate information is as follows : Account Rating - DEROGATORY Creditor Remarks- DISMISSED This account was PAID IN FULL XX/XX/XXXX  and the funds were drafted from my account on XX/XX/XXXX XXXX XXXX This account was never paid late and was paid in accordance with my contract with XXXX XXXX. The remarks are not ACCURATE! The remarks are not clear and make no sense for this account. TransUnion stated on my most recent credit report that their last verification was done on XX/XX/. I've attempted to dispute this with TransUnion to have these negative false remarks removed. TranUnion has failed to remove them, as it is still being reported. This has impacted the way that I have been granted credit because of the derogatory remark on the part of TransUnion.
Product: Bank account or service

Citizens bank allowed my bank account to continuously overdraft for weeks adding up to {$1000.00} in overdraft fees and return payments. When I spoke to a supervisor, He said the best he could do was refund me XXXX @ {$35.00} fee. When I asked for corporate numbers, he refused. I have had this account for 15 years and now Its overdrawn {$800.00} due to their {$1000.00} in fees. I will be seeking legal council but I hope someone will reach out and address this issue before having to do so.
Product: Debt collection

XXXX XXXX XXXX XXXX took our maintenance fee in XXXX and XXXX and did not proved a service, weeks vacation to use or bank for a future date in return. We also had to pay a yearly fee to a third party to hold that week which that was lost. I called to make my XXXX fee payment XX/XX/XXXX with XXXX ext XXXX found out company did not bank my week in XXXX of XXXX so I disputed paying XXXX, she said new owners took over end of XXXX and some problems with customer accounts will get back to me. I called in XX/XX/XXXX to make a payment on my fees with XXXX and resolve last years lost week again they would research and get back with me, so no payment from us until last year is fixed or a solution. I sent a letter to the XXXX, they sent 2 letters to XXXX XXXX XXXX with no response back. The XXXX  said contact Attorney Generals office they sent them a letter no response. In XX/XX/XXXX XXXX XXXX was going to send us to a collection agency if we do not pay our XXXX maintenance fees so we did without any resolution from last years problem. We then tried to bank our XXXX week with the help of XXXX XXXX from the XXXX XXXX without success. XXXX XXXX is the third party it seems they were not aware of changes like us since no letter about the company policies were sent from the new ownership. In the past we would call our home base XXXX XXXX and they would bank our week. Now I found you give XXXX a reservation number and they bank your week XXXX had to explain it to us and XXXX. So we gave XXXX several reservation dates with the help from XXXX that would not work. XXXX looked into the problem said they have notice from XXXX XXXX they were closing do not take any reservations was because of Covid we were not sure. I told XXXX since your home office said we should be fine to bank our account have them bank my week and get back with us. XXXX XXXX never contacted us even after I sent complaint through their website. I received a response from a XXXX at their website she would look into our concerns and get back to us, this was in XX/XX/XXXX. I called my credit card in XXXX and disputed the charge for XXXX fee they reversed the fee. XXXX XXXX still has not called or contacted us they sent us to Meridian creditors  then they sent us a bill for XXXX. Maintenance fee each year is XXXX and XXXX fees is about XXXX a year. Nothing in the bill stating we can dispute the fees. We callled Meridan creditors  they are letting us dispute the charges we sent a certified letter XX/XX/XXXX the post office dropped it off XX/XX/XXXX but they need to sign for the packet. I told XXXX XXXX case manager # XXXX to have someone go to the front desk at post office and sign for it today XX/XX/XXXX. 
I told XXXX XXXX I'm willing to forgive XXXX and XXXX ( since we lost the week and had the fees returned ) just bank our XXXX week since we paid the maintenace fees already in XXXX XXXX. Remove us from the collection agency since we paid for a service that they did not provide for us then had the fees returned because of lack of service. 
Sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did Transunion,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple inquiries & unauthorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA
Product: Vehicle loan or lease

They were charging me unnecessary fees and once I paid my car note on time they would still cut my car off to obtain more money this is in reference to a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We cancelled our XXXX account XX/XX/2019 and mailed back the equipment through XXXX drop off, within a week, as directed by the customer service representative at XXXX. 
XXXX claims they never received it and XXXX claims there is no way to track it anymore. I called XXXX on multiple occasions regarding this matter and the agent assured me that the receiver would turn up in warehouse and that this type of thing happens alot ... and not to worry about our account. 

NOW, a collection company ERC is sending threatening letters to my XXXX old parents ' house, three years later over this receiver. THIS is unacceptable. 

I am livid I am still dealing with XXXX and their ridiculousness.
Product: Checking or savings account

So on XX/XX/XXXX I received a XXXX $ check from my grandmothers estate, I attempted to cash it through my chase mobile app, I received an email immediately stating my account was flagged and I needed to reach out to the bank. I called the next morning and they told me my account was fine and that my funds would be available in XXXX days. Funds werent available until XX/XX/XXXX I believe and once they were, my money was pulled as a DEBIT-XXXX and then my account was shut off. Ive called numerous times trying to get them to lift the hold/cancel the transaction so I can just get written another check. Apparently they arent able to establish a connection with the estate because their number isnt registered. I finally decided to just go into a local branch and see if they could help me. I met with the operations manager and after about XXXX minutes she told me there wasnt anything they could do and that there was nothing keeping me from cashing the check at the issuing bank. I asked if she was sure and she told me yes so the next morning on XX/XX/XXXX I went and cashed said check. A few hours later I receive a call from the estate lawyer office saying the executors account was charged twice, ( check was cashed twice ) and that if I dont return the money hes going to press charges for fraud. Called chase bank immediately and they will not give me any answers, wont give me any alternatives and continue to hold my money when they said they werent, and STILL wont give me an explanation as to why my account was shut off. Thats basically the whole situation in a nutshell. Anything that you can do would be greatly appreciated because I need this money for my car and its becoming an emergent thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

under federal law 15 U.S.C 1681 section 602 A I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish info on my accounts without my written instructions. 

XXXX Equifax XXXX All 3 of these reporting agencies have posted on there sites about a XXXX XXXX XXXX that I have not given written permission to do so and are violating my federal right to privacy and I would like that report removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today in looking at my personal information on XXXX XXXX my account, I see that my address is Wrong AGAIN. I have corrected in via USPS mail many times over the years ( with my proofs of identity ) my CORRECT Address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Mass XXXX. 

The listed address on file for my ( Equifax ) ID account is Wrong it shows : XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, Mass XXXX MY home at XXXX is NOT an apartment!!!! It is a separate House!! XXXX. 

I corrected this so many times!, over the years and Again Now again my information is wrongfully, fraudulently being used by # XXXX XXXX XXXX ( a SEPERATE ADDRESS ) a different house!!! ( from mine at # XXXX XXXX XXXX ). 

This neighbor : XXXX XXXX at : # XXXX XXXX XXXX, XXXX, Mass XXXX is using this wrong address ( XXXX XXXX XXXX. XXXX XXXX XXXX  ) to set up accounts with this wrong address, making it appear that My home address at XXXX XXXX XXXX is an apartment at her house # XXXX fraud!!! My home is NOT AN Apartment!!! it is my house # XXXX XXXX XXXX. 

# XXXX XXXX XXXX XXXX, XXXX XXXX IS A DIFFERENT HOUSE ADDRESS!!!! 

My credit will be affected if this continues with this happening with my address. 

Equifax PLEASE Correct my home address to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You broke the law Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After taking a look my consumer report I realized that my report was inaccurate and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies procedures and as a result of this I will no longer be extending credit and if this information is not removed I no longer want my information reported in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). 

You did not insure that this information to accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my right to privacy.

Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report. This alledged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not included i nmy consumer report and in fact is a violation of my consumer rights In your initial investigation I was never given the opportunity dispute.
Product: Credit card or prepaid card

Bank of America. 

Hello, I have been a long time customer of BofA. 
My credit card number ends with XXXX. 

There has been a fraud in my credit card account. This is a fraudulent charge by the XXXX XXXX XXXX. 
I reported this to your Bank. Your customer service has been rude. They have not corrected the problem. 
After I noticed the fraud, I immediately canceled my subscription to the XXXX XXXX XXXX as noted below. 

You can see all this in the Credit Card Statements. 

XX/XX/XXXX DUPLICATE CREDIT : {$24.00} Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Fees Reference number : XXXX Merchant Name : get more information about merchant name change XX/XX/XXXX DUPLICATE CREDIT Select to Edit the merchant name Transaction Category : get more information about transaction category Online Purchase : N Proof of cancellation : : - {$460.00} XXXX XXXX XXXX XXXX  Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX  Merchant information : XXXX, MA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX Transaction Category : get more information about transaction category Shopping & Entertainment : General Merchandise Online Purchase : Y The amount that says " XX/XX/XXXX Duplicate Credit '' should be removed. 

It is either a mistake on the part of the XXXX XXXX XXXX or it is an outright fraudulent charge. That is why I canceled my subscription as noted above. 

If you don't credit my account with {$24.00}, I am going to cancel my Credit Card with Bank of America. 

I have other credit cards, including one from XXXX XXXX. 

I do hope you will promptly credit my account. 

Best Regards, XXXX XXXX
Product: Credit card

I was told my son first year annual fee would be waived and the supervisor refused to waive it.shw claims would be in paperwork ... I tried to tell her not in paperwork because it was only for first year so it would shout annual fee after that..she blatantly would not help and waive few when we were advised it would b for first year
Product: Credit card or prepaid card

We attempted to get a card through the referral procees but had lot of issues. We even called in and received Wrong Information which caused us to open the wrong card because the link was wrong. I called multiple times to try to resolve capital one sent us in circles then asked for us to reply and we couldn't get the card based on the wrong information we received the first time. If we were not deceived or told wrong things on our first card we wouldn't have been declined. But due to the wrong information we applied for the wrong card and that interfered with the Ventura x card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern over the failure of Equifax, XXXX, and XXXX, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
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
Product: Checking or savings account

I was scammed but spoof callers claiming to be the bank ( wells fargo ) they had me pull out money using my atm card and send it off via XXXX XXXX in the amount of {$13000.00} This has caused great hardship and also risk if eviction
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting this message when trying to access my credit score. 


Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Debt collection

I have reached out to the company and specifically requested that they call me XXXX my personal cell number ) about debt owed and I even provided my cell number to them in which they acknowledged they will start calling me directly but instead they keep calling my job every day, leaving the same message and its creating conflict for me at work. I simply ask that they stop calling my job and just call me directly.
Product: Debt collection

On XXXX/XXXX/17, I received notification from XXXX that a debt from a collection company by the name of FINANCIAL BUSINESS AND CONSUMER SOLUTION was verified as accurate. I have never heard of or entered into any agreement or contract with this company. I am requesting written proof of any debt that I have with this company. I am requesting the name, address, phone number, and a signed contract that validates this erroneous debt.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I never received proper notification of this debt via certified mail, which prevented me from disputing the information.Proper notification is required to ensure that individuals have the opportunity to review and address any debts. If in fact you believes you have provided proper notification.I request that you supply me with a certified receipt, including my name and signature on it. In order to confirm receipt of notification. This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I discovered fraudulent charges that would be part of the identity theft problem. Given that fraudulent charges should be checked and that the credit agency should be inquired, it is important to be able to look for unusual data. However, there is a problem with Equifax that disallows a person to view the data and look for suspicious activity. In other words, Equifax is the problem and is not helpful.