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

On XX/XX/XXXX, I opened a dispute with Citi Cards- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Costco Anywhere XXXX XXXX for non-delivery of products and services by XXXX XXXX XXXX XXXX XXXX XXXX on transaction date XXXX XXXX dispute id XXXX XXXX ) ; one of two transactions. The original disputed amount was {$5300.00} and later revised to the full amount of {$6300.00} upon discovery two of three furnaces delivered but never installed are oversized per three separate opinions provided by three independent HVAC contractors. Citi only requested one merchant opinion but I provided three to mitigate one to one questioning of merchant 's opinion. 
In a second transaction that occurred on XX/XX/XXXX, XXXX delivered and installed a furnace and air conditioner for my in-laws that I paid {$3800.00}. However, the amount charged was {$4800.00} ( 2nd dispute ), {$3800.00} for the installation and {$1000.00} deposit toward the installation of three furnaces at my investment property location ( 1st dispute ). The {$1000.00} was later disputed ( dispute id : XXXX ) after multiple failed attempts to resolve the matter with the vendor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. 
Over the next three months, Citi sent multiple notices requesting information from me to validate my disputes via letter dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally a letter on XX/XX/XXXX requesting the same information from previous letters. I sent the Citi requested information on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX informing me the investigation was closed without an explanation. The conditional credits were reversed for {$6300.00} and {$4800.00}, and copies of the XXXX transaction receipt sent by the merchant to Citi and Citi provided to me. 
I wrote a letter to Citi regarding my unresolved dispute and an explanation for closing the dispute without addressing or resolving the dispute on XX/XX/XXXX and that I would report the matter to various oversight organizations. 
After reviewing the Citi notice on XX/XX/XXXX regarding the conditional credits being reversed, I noticed {$4800.00} amount was being reversed for which I never receipt a credit for this amount. I contacted Citi Billing Dispute on XX/XX/XXXX and spoke with agent XXXX regarding this amount and she confirmed no credit was issued for {$4800.00} and that she could only document in Citi system. At the time of opening this dispute with CFPB, my dispute is unresolved, the conditional credits of {$1000.00} and {$6300.00} reverse and an additional {$4800.00} amount reversed in error. 
I provided Citi with multiple detailed information requested in the form of text messages with the merchant, pictures of the non-operational improperly installed furnaces, XXXX  phone logs attesting to communication with the merchant and three independent HVAC quotes detailing improperly installed furnaces. The only information provided by the merchant to Citi and forwarded to me, is a copy of the XXXX transaction receipt for both disputed amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid off my loan in full with Tally Technologies. They said that my credit report would be updated within two weeks with the account being paid off. 

On XX/XX/2020, the " paid off '' account status still did not appear on my credit report, and the account showed an incorrect and old balance from over a year ago ( much higher and therefore affecting my credit score ) on the credit report. I emailed asking for corrected information. 

On XX/XX/2020, Tally Technologies reported my account as " Charged-Off. '' This is extremely incorrect and fraudulent. 

Not only has Tally acted in fraud and bad-faith, they have been usurious in their interest charges before the account was paid off. They should be investigated for their credit reporting practices, which are NOT in compliance with the FCRA.
Product: Mortgage

I applied for a mortgage refinancing through Quicken Loans. The approval letter is dated XX/XX/XXXX. Talked to XXXX XXXX he told me I was approved. All I had to do was send them a good faith deposit of {$400.00} and it would be refunded when my loan was processed. On XX/XX/XXXX I received a letter saying I was not approved. I XXXX XXXX and ask for my refund of my deposit. He then told me I would not get it back because it was for the appraisal. I told him he misled me. I contacted Quicken Loans many time for my refund with no results. My loan # XXXX. I have XXXX after this happend and there is thousands of people they have scammed people out of money this way. Please help me.
Product: Debt collection

I am writing to express my concern regarding an unresolved issue with my credit report. On XX/XX/year>, I sent a certified letter to SST containing to things within my credit report. The letter was sent via certified mail and was received by their office, as confirmed by the provided tracking information. 

I have also enclosed a copy of a letter I received from SST regarding the issue. 

Despite my request, I have not received the requested validation and demanding that the information be immediately deleted from my credit report. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I am supposed to receive free atm withdrawals if i go to specific atm locations listed in the XXXX app. I am always certain to make sure I only go to free atms. I went to the atm at the XXXX location listed in the XXXX XXXX app at XXXX XXXX XXXX in XXXX, MD, and was incorrectly assessed an ATM fee by XXXX XXXX. I called XXXX XXXX 4 different times requesting this fee be refunded. I provided screenshots of the atm listing in the app, as well as photographs of the location and actual ATM itself. Despite all of this proof that the fee was incorrectly assessed, I have not been able to get my {$2.00} refunded to me. Attached are photographs of the ATM, the XXXX location, the screenshot from the XXXXApp with a map pin showing where I am and that it is a free ATM, and a copy of the card agreement which says that XXXX ATMs are in-network and free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their executive level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent ACCOUNTS AND INQUIRIES this is a list below of fraudulent inquiries below 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

XX/XX/year> - At first, I received a call from XXXX, telling me that a purchase was made on my account for over {$1500.00}, using my credit card. 
The phone number used was ( XXXX ) XXXX. I was transferred to another number and told to use code : XXXX XXXX The man I spoke with named himself as XXXX XXXX XXXX and used code XXXX. 
He also had a foreign accent, possibly XXXX. 
I was asked to disconnect and immediately call back phone number ( XXXX ) XXXX. 
He spoke professional, but what he was saying did not make sense. He claimed that my account had been hacked and someone was using my credit number to make several large purchases in a total of approximately {$16000.00}. Which is more than I have in my account. After speaking for roughly an hour, he gave details of how my account was hacked and what it was for. Claiming there was a good chance that the hacker was someone working at the bank, who already had my social security number, and told me not to call the bank because I did not know who I could trust. 
Also claiming that it was most likely someone I knew from one of a few states, and named several. Someone who would know my Social Security Number. 
He then told me to go to the bank and await further instructions. I did not go, but I did call him back and asked what he expected of me once I was there. 
He responded that I was to withdraw {$9000.00} and take to XXXX XXXX, so the serial numbers on each bill could be confirmed as my own. 
After checking my accounts online, both XXXX and XXXX, I found nothing wrong and what he was saying did not make sense. 
I then insisted that he put his claim on paper, along with his signature, and mail it to me. 
He said that would take a long time, but I told him I was willing to wait. 
At which point, he hung up on me. 
Clearly, another new scam...
Product: Debt collection

I would like for this to be removed off my credit ; as they are unable to provide details that I sign stating I would be responsible for any balance that's unpaid by insurance ; this doctor office accept Medicaid patient and should've billed Medicaid for any unpaid balance. they can not provide any sign details that I sign stating they can put this on my credit. The calls are getting very aggravating and disrespectful. This is a HIPPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid ( via Banks Bill Pay ) {$150.00} from my Opus Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by Opus Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called Opus Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire Fraud.
Product: Money transfer, virtual currency, or money service

I used Wise to make some instant transfers, which they charge an arm and a leg for. They took my money and never transferred the funds. Its been 2 days and I still have not received anything and they do not respond other than to send a form email about delays in transfers. If they can not perform an instant transfer, then they at the very least need to refund the service fees that they charged for an instant transfer. Taking Money under false pretenses is fraud. 
This happened three times, just this week and this is not the first time that this has happened. 

Additionally, this company in the past has lied about these practices and said that I chose a longer transfer time and their receipts will show that a different amount from what they actually charged me. However, I paid using the XXXX XXXX option and that is only available for instant transfers. The part where they claim that a different fee was charged is also 100 percent a fraud and a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX 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 XXXX U.S.C. XXXX 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 As required by XXXX U.S.C XXXX, 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: Credit reporting 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, Account NumberXXXX Account name : XXXX XXXX  Account XXXX XXXX Account name : XXXX Account Number : XXXX, Account name : # 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 without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- States no consumer reporting agency containing any of the following items of information any other adverse item of information other than the 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: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXXXXXX XXXX XXXXXXXX account opened in XX/XX/XXXX The account status is reporting as " In Repossession ''. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the FINANCE CONTRACT AND PAYMENT HISTORY THAT PROVES THIS TO BE A REPOSESSION and the company has failed to provide such evidence for more than 60 days now. Both XXXX and XXXX have deleted the account as requested and I demand to know what evidence Experian has that allows them to lawfully report this account as a repossession. If Experian or XXXXXXXX XXXX XXXXXXXX can not provide the evidence, then they must delete the account in it's entirety.
Product: Debt collection

My debt started out with Indigo credit card. I fell behind on my payment as I was off work without pay to take care of my sick mother who ended up passing during covid. I tried contacting indigo on several occasions by phone putting my credit card information in on the automated system. I could never got a live body to speak with in which the system would state that my account was being sent to collections and I should receive something by mail or a call in a couple weeks. I never received any information for the collection by mail not once nor have a received a call from them. The collection company is call XXXX XXXX XXXX XXXX. After a couple of months I received alert from my credit report company stating that they had add this to my credit report without contacting me. I have filed a dispute against Indigo because it is hard to get a live person to speak with so that I could settle with them and then I have also filed a dispute with the credit breu reporting agency and XXXX against XXXX XXXX XXXX XXXX. I filed these complaints on XXXX and still have not heard back from either company. I have asked for both of these accounts to be removed. Indio rips people off with. My credit limit was XXXX XXXX I tried to pay them the XXXX dollars to settle before and they told me I would have to pay the whole XXXX. As for XXXX XXXX XXXX XXXX. Not one letter or notice mail to me or call to speak about this debt but you throw it on my credit report. I would like both of these account removed. Indigo credit cards needs to get a better system so you can speak with a live rep. If I was able to do this maybe I would have been able to find out who the collection agency was and make a dispute or pay it before this took place. Now both of these companies are on my credit report.
Product: Debt collection

When I took out the CareCredit credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting XXXX. Although, I made the minimum monthly payments and have been told not to work as I suffer from several XXXX   conditions that have made me permanently XXXX and have a doctors statement confirming I have been receiving XXXX  since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation. 
Subsequently, CareCredit has referred the matter to XXXX XXXX XXXX, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill. 
XXXX XXXX XXXX as a business associate of CareCredit needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions. 
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor. 
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should XXXX XXXX XXXX choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal. 
Further, it would be in XXXX XXXX XXXX best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil litigation.
Product: Credit reporting or other personal consumer reports

The unknown credit inquiries that appeared on my credit report is very alarming and concerning. I did not applied to these and did not consented nor authorized these companies in pulling up my report, this is really stressful and making me XXXX.
Product: Credit card or prepaid card

I had my Wells Fargo credit card stolen from me and fraud committed on it. I have left several complaints and it hasn't been resolved. I filed a police report in the matter when the fraud was first realized as well. Wells Fargo isn't working with me in any way. Two weeks ago when I checked on my account with Wells Fargo is was closed with a XXXX  balance. Now I just recently checked on it because I see my credit score has dropped by 25 points and Wells Fargo reopened the account at a negative balance cause of the fraud amount. THIS IS 100 % FRAUD and I made a police report and reported it with Wells Fargo right away. It was my impression that I'm not responsible for Fraud yet when I spoken to Wells Fargo directly they say that YES I am. This is not right. I been a loyal customer for years and they are treating wrong here and from my knowledge unlawfully. This is FRAUD and I did not give anyone permission to use my card. It was stolen from me and it was reported as such