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

A fraudulent charge appeared on my XXXX credit card statement with Citizens Bank Credit Card. The fraudulent purchase took place on XX/XX/22 as an electronic check for {$3200.00} along with a fee for {$120.00}. Over the next week, two more attempts were made on my account to extract {$5000.00} each time. I found out about those subsequent attempts because the cc company sent me letters apologizing that they couldn't make those transfers due to insufficient funds in my account. I never made any of those purchases/requests. 

I called to report this on XX/XX/22 after seeing my statement for that month and those letters. They told me I'd not be responsible for payment during the investigation but still left the amount on my file and charged me a late fee. I then called back with information I'd learned from the FTC website, asking if they'd be reporting that balance to credit bureaus. It was only then that they removed the amount and late fee and said they're still investigating. 

The current issue : They called me about a week ago requesting to speak with me about the fraudulent electronic check. They said to call the customer service number back and leave with the rep a good time to call me. I did. They have yet to call me back. Claims reps are impossible to reach as well. The number they listed in the letter they sent me from The Credit Card Claims Department is XXXX. Nobody ever answers there and no option is given to leave a message ; a recording just says to call back and ends the call. When I call the regular customer service number, they say it's not possible to connect me with someone in claims. 

I'm concerned that if they don't speak with me, they might say they were unable to complete the investigation and put the blame on me. They are impossible to reach. This is scary for me. I don't make much money and am careful with my credit. I've worked hard to build a high score. I can't afford these fraudulent charges, and they're being very sketchy in preventing contact.
Product: Mortgage

In accordance with the XXXX XXXX Settlement, I believe Chase had to settle the second mortgage on the property so wrote it off in order to foreclosure on the Washington Mutual Bank FA mortgage. If you look at the documents I will provide, it went into collections in XXXX and then in XXXX after it was written off, JPMChase removed almost $ XXXX from my checking account. It has taken me years to the get the accounting for this account and as you can see, there is no credit for the $ XXXX. Where did my money go?
Product: Debt collection

I recently moved out of a rental property and was contacted by the rental company stating I owed them money for repairs and damage to the property. I gave them a copy of the original lease agreement with all the damage to the property prior to my move-in. The rental company was attempting to charge me for damage that the property already had and bogus charges such as the {$800.00} fee for them to remove dead grass. The rental company was responsible for all the grass and yard maintenance. My backyard and the neighboring backyard had the same grass damage. The rental company sent me notice if I did not pay for the damages they would double to price and I would be turned into a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction  (  s ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX    XXXX   XXXX   XXXX   #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above XXXX account. 
I request a dispute be started and XXXX account XXXX and request the account to be removed from my credit file. 

I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me CBNA XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX  XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX not authorized by me XXXX XXXX XXXX XXXX different unauthorized hard inquiries not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights.

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

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

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

TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX TRANSWORLD SYSTEMS INC : I have asked them on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of $ {$300.00} and another amount of {$730.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & XXXX  affecting me at my job and making me XXXX i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX Account with XXXX and Equifax has violated my rights. They are furnishing information that is inaccurate and incorrect regarding an account with XXXX XXXX  also known as XXXX XXXX  XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

1st Tech was promoting an offer that rewarded the account holder with {$300.00} if they opened a checking account and met the requirements of the promotion. 

I met all requirements, including the requirement to have XXXX direct deposits ( XXXX 's ) of $ XXXX for XXXX consecutive months from a employer or government benefits provider. My XXXX XXXX 's were from the XXXX Treasury Department and satisfied these requirements. 

I never received the {$300.00} bonus and I messaged customer support through their messaging system to ask why. They told me they would not disburse the bonus unless I provided them with documentation form the Treasury Dept. The terms of the promotion do not mention this is a requirement, as such I told them I wouldn't provide those documents.

I had a back-and-forth with 1st Tech support, and they would not disburse the bonus. I asked them if we had exhausted all remedies for the situation, and informed them that my next step would be to contact the CFPB if we had.1st tech told me yes and that they would not disburse the bonus.
Product: Money transfer, virtual currency, or money service

I was ineligible for stimulus at time they began, however XX/XX/2020 I became eligible. I'm on s.s I. Am basically impoverished poor health uneducated and have had multiple major head trauma. Left side of face metal. I applied through the it's an had read more than once to get funds sooner use a bank account. I had just started using Cash app so used it. Unfortunately a vehicle I was buying got impounded it was still in person 's name so they got it out, my wallet phone Cash app card several other items weren't there. I'd forgotten I'd used routing number on card. I often lose phone 's I D. Card 's forget passwords e mail addresses an so on. After many e mails Cash app support that's only accessible via e mail finally told me they could see where deposits we're made to that account. I've done everything they've asked to try to retrieve this money During this process I've lost at least 3 other phone 's at one point they said they couldn't transfer money for security reasons. The e mails seem scripted. I asked was there no other way to prove my identity? I thought the phone to be stolen if the money was deposited and moved it was stolen and I need to know if it's not and I'm The only one e mailing trying to recover why not shut down account send money back to irs. As I've said I'm very in need and don't know that what they're doing is even legal. My name is XXXX XXXX, the old phone linked to account was XXXX XXXX XXXX, my current phone number is XXXX XXXX XXXX e mail XXXX thanks
Product: Vehicle loan or lease

Greetings : For two billing periods ( XXXX and XXXX ), Chase did not apply payments sent to my account balance ; as a result, Chase has reported that I am between 60-89 days late which is not true. I have been in contact with Chase endlessly ; however, they are refusing to correct the mistake that has caused my credit score to drop by over 100 points. I even created a spreadsheet to show Chase that my calculations matches with their account balance for my loan for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. However, my calculations does not match for XXXX and XXXX because Chase failed to deduct previous payments from my account balance for XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Consumer Loan

I took out a loan through Ford Credit for my car. Unfortunately, the loan was never presented in " regular fixed payments. '' The amount due would change each month. 
I would usually attempt to pay additional money each money in order to retire the balance earlier. But Ford would just deduct this extra money from the following month 's bill. Lately, they have failed to apply this extra amount at all and claim I 'm delinquent.
Product: Credit reporting or other personal consumer reports

I spent hours trying to obtain free credit report from Transunion today but was unable to. I called them and spent an hour and ten minutes with them trying to troubleshoot all sorts of ways via computer and cell phone but ultimately their website kept giving an error message of " XXXX XXXX XXXX Unavailable '' and I was told there was no further escalation to be done. I did oral verification twice, but that still didn't resolve the issue. They were passing me over to maintenance and that could take 5 days. I have done research and found forums from years ago and as recent as 7 months ago describing the same exact issue as mine. One user even stated they tried for three consecutive years but weren't able to obtain their report. Transunion is clearly not looking to fix this error with their system and have people unable to obtain their reports year after year. They did encourage me to sign up for the subscription of {$30.00} per month in order to obtain the record though which I found unacceptable.
Product: Checking or savings account

On XX/XX/2020, I tried to log in on to my JP Morgan Chase account online to check on my balance on my checking and savings balances online at that time I couldn't login in with my password or username. So I decided to call Chase customer service at there toll-free number XXXX at that point I was informed by chase that my accounts were close due to suspicious activity. It took me by a surprise when they told me when I asked for an explanation for them closing the accounts no one could give me a clear explanation. After getting into an argumentative with a chase supervisor I was given the number of the executive office of chase bank toll-free number XXXX or this occurs at XXXX ; XXXX in the evening I file the complaint with the executive office of the chase which was file by XXXX which I was assigned a case number which given to me XXXX. I would have to follow up with the chase executive office for there response. When I call the chase executive office on XX/XX/2020 at that time no one had my case was not given to anyone until XX/XX/2020, Wednesday it was given to XXXX she was the person who would be able to go into the accounts and tell me what happens and why the accounts were close. By XX/XX/XXXX I was informed by XXXX that if I had done transactions on XX/XX/XXXX and XX/XX/XXXX my response was that I authorized the transactions on XX/XX/XXXX but that the transactions of XX/XX/XXXX did not belong to me for the amount of XXXX and XXXX and that I did not authorize those transactions. According to XXXX the transactions of XX/XX/XXXX are from the department of labor. Which my response was I never authorized those transactions and that I never receive anything from the department of labor because that transaction did not belong to me. The other transactions did belong to me and that I was willing to give more information needed. She reaches out to me on XX/XX/XXXX to tell me that the account was close and they couldn't be reopened and that was her answer and that if I wanted my funds I should call the fraud department of the chase so they could release my funds because she couldn't give me a date for the funds to be released. My accounts were close to XX/XX/2020. When I reach out to the department of fraud of chase on XX/XX/XXXX I was informed that they could release the funds until the accounts were reviewed that I had to wait but they never could never give me a time frame of how long it would take. So I waited so I call on XX/XX/XXXX and on XX/XX/XXXX and until now no resolution with chase bank there saying that they need to reach out to the department of labor to find out how did the funds of XX/XX/XXXX got into my checking accounts of the amounts of XXXX and XXXX until yesterday XX/XX/2020, they have not even contacted the department of labor to inform them that someone deposits this money in my account chase can not even tell me from which state these funds came from. There are claiming that I commit fraud which is false. Until now chase claims it might take 30 days to mail me my funds or longer to get my funds from my checking and saving
Product: Credit reporting or other personal consumer reports

This is no longer my account it is a charge off and written off and sold to another company the contract between me and XXXX is voided and I know longer owe them this debt Im entitled to a accurate credit report delete this account immediately
Product: Credit card

This complaint involves my CITI BANK Dividend Card.My XXXX, XXXX statement showed a number of fraudulent charges. I immediately notified their fraud department. I paid all charges that were legitimately mine. They issued me a new credit card. 

My XXXX statement continued to included one of the 6 or so previous, fraudulent charges. It had not been deleted. I called again, and was told that CITI was aware of their error and I should pay only the charges that were ( again ) legitimately mine. I did that & asked that I be sent a letter - or email- as proof that their error had been deleted from my account. I asked for names & phone numbers, and spoke with a " supervisor ''. Nothing ever came. 

My XXXX statement included the same charge, ( over {$700.00}. ) plus interest! I called again, and was told again to pay only my charges. AGAIN I protested, and asked for a NEW STATEMENT. Which they promised, along with admissions of of ongoing error. They said it would take 5-10 business days for their correction to show on my account Today, XX/XX/XXXX, my XXXX statement arrived with the same, fraudulent charge from XX/XX/XXXX, plus more interest charges. PLEASE HELP! 

XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX has several campaigns to reach a certain status if you use your cobranded card by XXXX date. In this case, if I used my card by the end of the statement balance in XX/XX/XXXX, my status at XXXX XXXX would be achieved. However, this is a scam. They are now saying they need to investigate why all my charges in XXXX were slotted and put into XXXX ( conveniently ) excluding or granting me any oft the so called promotions they so deeply offer. It's been 1 month and half now, and XXXX has yet to respond and all they say is that they are looking into it with Citi. 

Payment in XXXX, was actually paid early and the remainder was paid on the due date of XX/XX/2023. However, the batching process according to XXXX XXXX show that payment was only received in XXXX, which means my points do no show for XXXX but in XXXX. They are saying this is an error on the Citi side that needs to be fixed. Obviously I took screenshots of the payments in XXXX, and really amazed at all these flaws ( or attempts not to honor their own promotions ). 

Even on the XXXX XXXX it says QUALIFY BY XX/XX/XXXX... When I called in on a recorded line- they said all the spend thru the end of that billing cycle would be towards the current year as it is clearly illustated in the app. Somehow, on XX/XX/XXXX, the points I accured automatically went to XXXX ... What a scam.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent XXXX Bitcoin Cash to Coinbase witht he intent to sell it into my USD wallet. Coinbase accepted my transaction, but when I went to sell the BCH moments later it would not allow me too, citing that it was disabling buys and sells. I signed up for updates to the problem, but never recieved any updates, and watched my account value drop by over XXXX dollars. I never found any updates by coinbase that buys and sells were working again, but just kept trying, and was successful on XX/XX/XXXX, late in the afternoon. On XX/XX/XXXX, I bought Litecoin on coinbase, and tried to sell 5 minutes later, recieveing the same disabled notification for buy 's and sells, citing volume.

Coinbase is systematically ripping people off, and should be held accountable for their inability to protect our funds and function when it benifits the users that trusted them. Currently, coinbase only seems to funtion or fail when it benifits them, and the trend is consistent.
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 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 XXXX business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
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/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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