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

XX/XX/XXXX - Made a purchase for {$1400.00} from Sears outlet using Citi AAdvantage Card XX/XX/XXXX - Item was brought for delivery but since the item was out of its packaging and packed and damaged, I did not take receipt of the item. 
XX/XX/XXXX - Lodged a complaint with Sears Outlet ; They asked for product to be returned when it was not even delivered to me. 
XX/XX/XXXX week - Opened a billing dispute with Citi, who reversed the charge. 
XX/XX/XXXX - Received letter from Citi asking for proof of the non receipt XX/XX/XXXX - Sent email with pdf document providing proof of delivery refusal XX/XX/XXXX - Received letter stating that dispute was resolved in favor of the merchant because no information was received. 
XX/XX/XXXX - Called credit card company to resolve the issue. They state that they did not receive the information. I had proof of having transmitted an email with the information and sent them the same. But they would not consider it. I also asked if the merchant had provided proof of product delivery and they stated that he had not. 
It appears that the credit card company did not do even the basic diligence i.e. to seek proof from the merchant that the product was delivered. This is patently unfair to the consumer because proof and documentation is sought from the consumer but not from the merchant.
Product: Money transfer, virtual currency, or money service

PayPal continues to overcharge their currency rate. It it always inflated in their favor so that they collect the difference.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 15 year fixed mortgage in place for 12 years. No escrow account. XXXX set up an escrow account without my knowledge or consent in XX/XX/year>. Then misapplied the principle/interest payments to either the escrow account or left it misapplied. This resulted in it appearing that monthly P and I payment was late. After I called XXXX XXXX XXXX times over a 6 month period -- they finally closed the escrow account and confirmed that the account was up to date in terms of payments. They refuse to contact the credit agency and withdraw 1 month of late payment. This dropped my credit score XXXX points and I am currently in escrow on a new purchase. This has the potential to cost me money on loan financing and is an inaccurate entry on my credit score. I want them to correct this inaccurate reporting. I also want them to apologize for having put me through this ordeal and being subjected to their incompetence. 

Thank you XXXX XXXX
Product: Debt collection

I NO NOTHING OF THIS DEBT I NO NOTHING OF THIS COMPANY AT ALL THEY SAY I OWE XXXX DOLLARS FOR WHAT PLEASE I DONT HAVE ANY CONTRACT WITH YOU PEOPLE
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to bring to your attention a concerning and unresolved matter involving my financial transactions with Robinhood. Your office 's assistance is necessary to rectify my current issues with their services. 

On XX/XX/2023, I initiated a transfer of {$49000.00} from my XXXX account to my XXXX account. Despite the initial delay in the verification process, my subsequent transactions, involving bi-weekly transfers of {$3000.00} from XXXX Bank XXXX XXXX account, proceeded smoothly until XX/XX/XXXX. 

Unexpectedly, Robinhood declined my transfer on XX/XX/XXXX, displaying an error message. Attempting a second transfer on XX/XX/XXXX, the system encountered an error during the first attempt. Though the second attempt was confirmed, XXXX debited my account twice on XX/XX/XXXX, causing a negative balance with Bank XXXX XXXX. 
Despite numerous attempts to resolve the issue directly with Robinhood, they refused to return the {$3000.00}, advising me to seek resolution with my bank. I followed their suggestion and, with the assistance XXXX Bank XXXX XXXX, initiated a dispute to expedite the return of the funds. 

Amid these financial challenges, I needed to withdraw {$26000.00} from my Robinhood account for Q4 taxes. However, Robinhood declined my withdrawal requests twice, demanding additional documentation. Upon providing the required identification and bank statements on XX/XX/XXXX, they assured me of a XXXX hour transfer timeframe, which never happened. 

To my dismay, on XX/XX/XXXX, Robinhood abruptly notified me of the closure of my account under their terms and conditions, stating they would only return funds to the originated or linked account. Despite numerous attempts to seek clarification and resolution, I have been met with unhelpful responses, being redirected through various channels without a satisfactory resolution or explanation of the reason for account closure. 

They sent me a second email today stating that they will return my funds to the originating source, and I can contact my source with questions. The issue is that I tried contacting them about how my originated source ( XXXX savings ) has closed, and I need them to return funds to the currently linked account XXXX Bank XXXX XXXX ). I have not been able to reach anyone since they sent that email. 

Given the urgency of my financial situation, I request your intervention to ensure that Robinhood promptly returns the funds, amounting to {$55000.00}, to my Bank XXXX XXXX account, which is linked and verified by their platform. 

I appreciate your prompt attention to this matter and thank you for your assistance in resolving this unfortunate situation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was banking with Chime As of today, XX/XX/2023, my account was closed for reasons unknown to my discretion. I am no longer allowed to log into anything via Chime. 

According to the company my account was closed for the following reason : Account does not comply with internal policies and/or the member agreement.

Further into reading this email I was extremely shocked to learn that it also states : At this time, you are not eligible for a refund of any remaining account balance ( s ) This is my only form of bank and all of the money I make goes to this account I had with Chime.

I had {$500.00} in my savings account and Chime is only saying I had {$100.00} available. 
l need this money, as I am entitled to it.
Product: Debt collection

I had my annual health/physical check up with The XXXX XXXX XXXX XXXX in 2019. 
All annual health/physical check ups are free with my employers private health insurance. 
I received a bill for blood work. 
I submitted a letter to the hospital asking them to bill the insurance company as they had done in the past as that's part of the annual health/physical check up. 
Instead, they began charging fees and interest and sent the bill to collections to M & M Credit. 
The are reporting this to the credit bureaus and are damaging my credit reports and score because of their own bad administrative practices.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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

There are. Several error on my report. that are erroneous and must be deleted as per FCRA rules and law
Product: Credit reporting or other personal consumer reports

This is a continuation of a previous complaint. Transunion deleted an open, active credit card from my credit report, which negatively impacted my score. They told you they can not restore it to my account without verification from XXXX, the company that issued the credit card in question. XXXX sent the verification in XXXX, but they still refuse to correct their error. I forwarded all the information from XXXX to Transunion as soon as I received it. My credit report is still not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.
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 the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i tried calling chase no luck. no one responds. i just want to dispute XXXX on card ending XXXX  we got XXXX   XXXX and XXXX XXXX. i am sorry to have to bnother you this way. please dispute called XXXX XXXX several itmes no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} UNIVERSITY  XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to open a new cell phone plan and they advised me my social security number had been compromised and they cant verify it with my correct information so they couldnt help me. When I pulled my credit report, there were about XXXX inquiries that were not me, there we charges, taken out of my account, that I did not do - they applied for a car loan and an installment loan impacting my credit - and everything I try to apply for or verify my identity is says my identity can not be verified
Product: Debt collection

On XX/XX/2021 I purchased a car from XXXX XXXX XXXX which was consumer credit transaction per 15 usc 1602. .I was forced to pay a down payment which is a violations of the truth and lending act 15 usc 1662 ( b ). After learning of the fraud as well as false and misleading statement made by the company I then sent out a notice of rescission to all partys involved in the consumer credit transaction. They company has willful neglect to at follow the laws that were state and my list of demands for a documentary materials proving this was not a consumer credit transaction as well the the XXXX accounting paper work I have requested. I have send several notices informing them if the violations as well as tendered payment to discharge the debt with full accord and satisfaction which the company has accepted. That company has been harassing me by calling and sending incorrect forms stating a owe a alleged debt which is another consumer law violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

*Disclaimer* I am a federally protected consumer under the FDCPA and FCRA. 

On XX/XX/2021 within the 30 days of getting my vehicle, I sent Wells Fargo Auto a Cease & Desist, Affidavit of Truth, and a Debt Validation letter ( 15 USC 1692g ). In my Cease & Desist letter, I demanded that all forms of communication with me through any and all mediums cease, I invoked my specified remedy as the consumer and original creditor demanding that the balance on my account be XXXX  out, my title be granted to me lien free and a deletion from all reports. With no regard to my Cease & Desist, Wells Fargo Auto continued to harass me pursuant to 15 USC 1692d ( 1 ) ( 2 ) ( 3 ) by continuously sending letters in the mail stating that they are attempting to collect a debt which is illegal pursuant to 15 USC 1692b ( 2 ). In one of the letters sent to me they also stated that they would stop calling me but wouldn't stop emailing or sending letters. They used obscene and profane language threating to repossess my vehicle.

In my Affidavit of Truth, I stated facts and sent in proof of exhibits in which Wells Fargo violated 4 of my federally protected rights.

1. 15 USC 1605a 2. 15 USC 1692b ( 2 ) 3. 15 USC 1692f ( 8 ) 4. 15 USC 1692e ( 11 ) My Affidavit was not rebutted with and Affidavit line for line, fact for fact dismantling the claims, but only responded with an alleged contract which in turn would mean the organization defaulted the account.

Following that AOT, a Debt Validation letter was sent disputing the validity of the debt and requesting validation. When this company received my letters, they then again responded with an alleged contract trying to use it as the validation on the debt when no one from this organization was present during the time of the transaction. As the consumer and original creditor, I am the natural person who can validate any debt. 
Since then, then have been furnishing certain deceptive forms ( 15 USC 1692j ) by putting false reports on my consumer report which is hurting my reputation and livelihood. 

Fast forward today XX/XX/2021, they gave my information to an unauthorized third party and had this third party come illegally partake in theft by repossessing my vehicle. Now want me to pay a third party vendor who I have no business or contract with in order to get my vehicle back. They completely disregarded all of my letters and didn't respond to them correctly in a timely manner. In turn I am seeking a civil remedy ( 15 USC 1692k ) of {$7000.00} for 7 consumer protected rights violated by this company. I would like the payment be made by check immediately. Also Im demanding the account balance to be XXXX  out and a deletion from all consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. 

Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. 

XXXX XXXX is in violation of 15 U.S.C 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at XXXX : XXXX to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX VIA XXXX XXXX, CA XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$35000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$2300.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>,
Product: Student loan

I erroneously made a lump sum payment of {$13000.00} on XX/XX/XXXX to MOHELA at the restart of loan repayment. Despite not receiving a billing statement delivered ahead of XX/XX/XXXX, and without time or information to enroll in the XXXX plan. I have tried calling multiple times to refund this payment and have had extreme difficulty getting any clarity on its status. Because I did not receive this statement on time, and because I did not have proper notice about my XXXX options, I believe I should be refunded. My loans were transferred from XXXX XXXX to XXXX to MOHELA within less than a year, adding to the confusion. 

In trying to fix this issue, we have asked multiple times to be put on forbearance. Most recently, we were explicitly told over the phone that our account had been placed on forbearance by XXXX ( XXXX ID XXXX ) on XX/XX/XXXX however we have continued to receive billing statements and late notices for XXXX and XXXX. Please see detailed timeline attached as pdf.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX XXXX  Toyota Motor Credit sent a debt collection letter on XX/XX/XXXX that I have attached stating that I am to pay an amount owed debt of {$610.00} for the XXXX XXXX is XXXX that was declared and paid as a total loss by XXXX XX/XX/XXXX according to XXXX. I called XXXX XX/XX/XXXX to resolve issue with no avail as I received no solution to resolve incorrect debt. In previous complaint against XXXX XXXX XXXX  Toyota Motor Credit for same XXXX Is XXXX that I have attached to this claim as proof, XXXX  stated, " Our records reflect that the account was closed as of XX/XX/XXXX due to insurance loss, and the balance on the account is zero. We mailed a letter of guarantee to XXXX, dated XX/XX/XXXX, advising that the title or security interest to the vehicle would be released upon receipt of the settlement payment in the amount of {$49000.00}. Our records also reflect that we received the settlement payment on XX/XX/XXXX ''. As of XX/XX/XXXX this account should be paid and closed off my credit report. The letter XXXX  sent XX/XX/XXXX looks to be of a refund that is instead owed to me in the amount of {$610.00} and an incorrect debt lexus is trying to collectXXXX XXXX is also in violation of lease agreement as the lease is covered by GAP coverage and as of today no GAP coverage has been applied to closed account.
Product: Money transfer, virtual currency, or money service

I accidentally made a cash app transaction that took money out of my bank account instead of my cash app. After that I logged out of my cash app for a few months out of frustration. When I came back to my cash app account, I couldn't add my credit card or send or receive money. But my money is already there. My account seems to just be frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my Equifax, XXXX  and XXXX XXXX credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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