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

Merchant, XXXX XXXX, XXXX XXXX, NV, solicited a sample purchase for {$5.00} via an email campaign that did not disclose a requirement for purchasers to make repetitive monthly purchases at 20x the price until cancellation. Order was immediately cancelled upon receipt of billing and the cancellation was acknowledged. Merchant continues to bill repetitively and CapitalOne will not chargeback to the merchant or make good on its fraud protection guarantee. The merchant 's web-site does provide adequate disclosure of a monthly purchae subscription ; but, its email solicitation and purchase confirmation do not. Merchant pretextually provided screenshots of its web-site in a chargeback reversal request and CapitalOne has refused to recognize the difference between merchant 's web-site and the merchant 's email solicitation, the latter being fraudulent. CapitalOne states it only recognizes unauthorized use of credit card as fraud but refuses to recognize that fraudulent misrepresentation is fraud.
Product: Checking or savings account

I opened Citibank saving account on XX/XX/year> and deposited a XXXX cashier check of $ XXXX. I wired $ XXXX to XXXX on XX/XX/year>. I withdrew $ XXXX from my XXXX 60 days rollover IRA and wired to Citibank on XX/XX/year> which then wired to XXXX on XX/XX/year>. I transferred $ XXXX each from XXXX to Citibank on XX/XX/year> and XXXX closed early XXXX CD, combining with other child support checks and deposited a total of {$150000.00} to Citibank on XXXX tried to wire XXXX time to XXXX on XX/XX/year> but XXXX wasn't approved, and the account was blocked later on the same day. I came to Citibank at another location and asked for a cashier check. I was told that my account was blocked and subjected to closure within XXXX days. I told them that I could not wait this long because the fund is a part of consolidated funds that need to be returned to IRA account before deadline to avoid penalty and tax.They told me to call the fraudulent department which I called over the next few days and received the same answer that I have to wait for XXXX days to receive the remaining balance in the mail. I then proceeded to file a complaint with Citibank XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, reference # XXXX, requesting for expedite process due to returning funds to IRA before deadline. The case was assigned to Ally, contact # XXXX ext XXXX. I email XXXX XXXX of XXXX and XXXX bank statements to XXXX to prove all transactions on XX/XX/year> and informed them of XXXX wires from friend, $ XXXX each, on XX/XX/year>, hoping these would help to resolve the issue quickly. I contacted XXXX on XX/XX/year> for follow up on the complaint. XXXX said that she receive a response from fraudulent department who could not rescind my account, and I have to wait for the account to fully settle, no claim to the account for XXXX days. ally said the account was determined for closure because I violated consumer account in Citibank client manual. I have no idea which terms I violated for conducting international wires for investment in my family business. 

in summary I would like to request for an immediate release of my total fund {$220000.00}. Please help me to resolve the issue as soon as possible so I can return the fund to IRA account, pay bills, property tax and contractors, avoiding credit problems and any late fees.
Product: Checking or savings account

Bank of America has placed a hold of greater than 9 days on a check deposited from another Bank of America customer. The account has been opened for more than 12 years and was for {$25000.00} related to a real estate sale. This is a blatant attempt to deny interest accrual and other benefits to the bank. The length of the hold is excessive and unnecessary. In Addition there has been an additional 8 day hold on a check a {$2800.00} from a very large institution account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX XXXX : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX XXXX  : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely,
Product: Debt collection

I sent a letter to and Springs Oaks Capital for XXXX of the debt that is the actual accounting Verification of sans invoice A contract binding both parties you and them in a letter by certified mail so there is the independent witness to having it being delivered According to the 15 USC 1692e 15 USC 1692d, and 15 USC 1692B Not use any language or symbols on an interval envelope or in the contents of any communication affected by mail or telegram that in the case that the dead collector is in the debt collection business or that the communication or relates to the collection of a debt
Product: Credit card

I believe the following accounts are invalid. JPMORGAN CHASE BANK , N.A . needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged accounts were transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following accounts to be removed from my credit & their records. JPMCB - CARD SERVICE XXXX XXXX XXXX  XXXX and JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX.
Product: Mortgage

We called Quicken for rates and fees. The rep stated that the rates were 2.75-3.375. After calling us back the rep stated rates were XXXX points and XXXX. The rep also said we did n't have programs available ft hat were promised for like 1 % down programs during the application process.
Product: Debt collection

I was asked if it was me. I then asked them not to call me at work. I asked them to send me mail regarding account and was told they tried mail with no response.
Product: Credit card

i was get this card from the barclaycard bank the ring master card by XX/XX/2016 when i get the card 2 days after i got locked out cuz they was need to verify a charge i make from this account but when i call in they wont verify me as the one own the account and not letting me do anything of my account and now its being almost 2 months my accout still are on the same blocked no matter how many time i call how many time i reset online account how many time i requsting have texting banking or email banking cuz they blocked me out of phone calling i dont konw what to do and i was trying to report the account as not opened by my end but im not losing my mind to do that to myself and i just had XXXX $ late fee from last month and they still locked my account and take late fee also i need help someone can talk to they and let they do the right things
Product: Credit reporting or other personal consumer reports

To whom it may concern : Attached you will found information Ive identified on my credit report that needs to be deleted from your records immediately.
Product: Vehicle loan or lease

On Friday XX/XX/XXXX I went to XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX, CA XXXX to shop for a car and also sell my call. 

They offered me {$10000.00} for my XXXX XXXX XXXX, and accepted the offer. They were going to pay the amount due to the Bank ( {$6100.00} ), which they did, and pay me back the difference, which I have not received as of today. 

I leased a car with them ( XXXX ), I paid a down payment of {$500.00}, and agreed to monthly payments of {$360.00}, including GAP insurance and wear and tear. 

I have been reaching out to the person that we made the agreement with ( XXXX and XXXX ), and they had been telling me that they were going to reach out to me, but took several weeks to do so. 

I received a call today from XXXX ( XX/XX/XXXX ) to let me know that they were not sending me a check, and I stated that was not the agreement. Then he said that he was going to reach out to the sales manager ( XXXX ), which I never spoke to before and did not even talk to him when I was in the dealership. 

I want to resolve this and get the money that is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to get my free annual report online this morning from Equifax, the response was that I couldn't get it online. No reason was given. I created and logged in to a personal Equifax account. There seemed to be no way to get a printed full report from this site but sections of the report were listed for online viewing. However, the only portion of the report I was able to view was the summary. On the summary, my credit report status was " blocked for promotional reasons. '' I object to having my report blocked for that reason. In addition, the option offered to me after my attempt to get the report online was blocked was to mail a form and copies of ID documents to Equifax. The instructions specified that the documents must be mailed in a # 10 envelope. I think it is an unreasonable burden on the consumer to require that the documents be mailed in a specific size envelope.
Product: Debt collection

I have received a number of calls saying I owe over {$600.00} in debt for a XXXX XXXX credit card that I have never had at all. I informed the company that I did receive a card for {$50.00} and that was it. But after speaking directly with the company they said I also had received a card {$300.00} and I informed them that I had never seen or applied for such a thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this matter from since XX/XX/2020. Colony Brand XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both XXXX  and Colony Brands on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by XXXX, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at Colony Brands that they will be communicating with XXXX  about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. XXXX is willfully closing my disputes and ignoring any written legal documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian over the phone to request a dispute for unauthorized or incomplete or unverified information reported to the consumer credit report. I disputed some accounts and a bankruptcy that been reported to my credit report. I asked Experian supervisor that if they are getting this information from Pacer ( the US court ) that information is incomplete since they dont provide the social security number complete.The supervisor was very unprofessional from the beginning to the end, he didnt care about my issue and all the time when I request for an investigation is very fast and I been asking for the proof that they are basing if the accounts dont get deleted for. This company ( Experian ) has agents in XXXX they are no able to understand and I am not even sure if they are handling my information such as social security in the right way. They refused to delete some account that they are no able to verify since I asked for proof including sent letter to the creditors and they didnt respond to me. Account that need to be removed from my credit report XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Bankruptcy that they are reporting under my name with an incomplete or incorrect social security number. I disputed that Bankruptcy and they failed to investigate or remove it or send a letter explaining the reason why they didnt remove the information disputed or provide proof of were they got that information with a complete social security number. 

Customer service is horrible, I opened a complaint with CFPB and Experian responded in a way that my complaint was closed without resolution. I will provide a screen shot of the result of this last investigation and how the accounts still in my report. Experian is violating the law and if this complaint dont resolve my issue I will file a lgalas complaint
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing extensive evidence and documentation demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries continue to adversely affect my creditworthiness. 

I initiated the process to dispute and remove the fraudulent items from my credit report. I provided thorough explanations, supporting documents, and any other relevant information required to facilitate a comprehensive investigation. However, much to my disappointment, my request was denied, with insufficient justification provided for the decision. 

The presence of these fraudulent items not only inaccurately represents my credit history but also undermines my financial credibility and opportunities. It has resulted in significant distress, inconvenience, and financial repercussions, which could have been avoided with prompt and appropriate action from your agency. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting immediate action to rectify this matter. Specifically, I demand that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX - XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score.  The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

XXXX XXXX XXXX XXXX charged me instead of the insurance company as the notes even said " insurance/billing information not provided '' and now UCSB debt collection agency is trying to collect this XXXX $ amount that should have been paid by the insurance company in the first place, but was not due to an error made on the medical providers part. XXXX XXXX said I owe them for 'deductibles ' but this seems to be the same point in time my insurance was not billed adequately from lack of unknown information. XXXX XXXX did not try to resolve this issue with insurance and rather sent this phony debt to UCSB collections, who have constantly bombarded me with weekly phone calls.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts and addresses that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX these are not my account. Please delete these accounts immediately. 15 U.S.C 1681 section 602 A.States l have the right to privacy. 15 U.S.C 1681 section 2 states a consumer reporting agency can not furnish a account without my written instructions.I also sent in a police report to delete all own addresses I never stayed at XXXX XXXX XXXX XXXX XXXX, OH XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, Tx please delete addresses immediately
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Debt collection

I wrote to Phillips and Cohen assoc ltd located in XXXX DE at the direction of XXXX as XXXX said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( Phillips and Cohen ) a letter XX/XX/2022, and XX/XX/2022 and to XXXX themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per XXXX XXXX  this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. XXXX XXXX replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX credit file and it will not report until they furnish me with all the info I requested l. I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX funding is reporting to the credit bureaus. Something is fishy and stinks in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, stress and anxiety. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX OF 2018 SOMEONE OPENED AN AUTO LOAN IN MY NAME WITHOUT MY AUTHORIZATION. IVE TRIED CONTACTING THEM SEVERAL TIMES TO RESOLVE THIS ISSUE AND THEY HAVE NOT RESPONDED NOR REMOVED FRAUDULENT ACCOUNT FROM MY XXXX  CREDIT REPORT..