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

In XX/XX/XXXX. 2021 my wife and I purchased an automatic dishwasher from " XXXX 's '' and were told if we put it on our XXXX 's charge we would get a 5 % discount. so that is what we did ( Charge was {$950.00} ) and when I received my next XXXX 's they were charging me interest on my purchase, which we had never received. My question is how can a company legally charge for a product and services they have not supplied. The dishwasher was not installed until XX/XX/2021 at XXXX. Also this is not the First time this has happened to us from XXXX 's another time we purchased XXXX counter tops and they were paid for ( On Charge account ) and never installed until until XXXX the following year, the whole time they were charging interest at 26.99 %. I guess shame on me for going back to XXXX 's I hope other people see this post to see what what XXXX 's is really about.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXXXXXX XXXX Balance : {$4.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$260.00} XXXX  - XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not dispute the account reported on my credit report from XXXX XXXX  ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and XXXX XXXX  asking that the comment that I dispute the account information be removed. 

XXXX XXXX  provided a non-responsive answer when I requested they report that I do not dispute the account information. XXXX  said there is not enough information so they are asking the creditor for information. Responses from XXXX  and Equifax is pending. Based on XXXX 's inadequate response and the likely response of the reporting agency to ask XXXX for information, a complaint to the CFPB seems necessary to resolve this issue.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to seek guidance and assistance regarding a challenging legal situation involving a debt collection case that has become a significant burden for me. 
The case is located in XXXX XXXX, with the case number XXXX between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My court date is scheduled for XX/XX/XXXXXXXX 
In XX/XX/XXXX, I obtained a personal loan of {$12000.00} to start a business venture. Regrettably, unforeseen circumstances such as contracting XXXX in XX/XX/XXXX and the subsequent vandalism of my store on XX/XX/XXXX severely impacted my business and finances. As a result, meeting the regular loan payments became unmanageable. 
Despite my efforts to resolve this situation, the strain of these unexpected events, compounded by my status as a student, has made it increasingly difficult to navigate the debt collection proceedings. Due to my low income, I am presently unable to afford any payment or establish a payment plan. 

Enclosed, please find supporting documentation, including medical records, evidence of the business downturn due to the pandemic, and documentation related to the vandalism incident. 
I kindly request your office 's guidance, advice, or any available resources that may assist individuals in similar circumstances dealing with debt collection cases. 
Your assistance in identifying potential solutions, providing guidance on consumer rights, or offering resources to address this situation would be immensely appreciated during this challenging time. 
Thank you for your attention to this matter, and I look forward to any guidance or assistance your office may provide. 

Respectfully, XXXX XXXX
Product: Checking or savings account

All of my accounts associated with this particular bank have been compromised as a result of fraudulent activities. Upon contacting the bank to contest all of the transactions, they merely replaced my credit cards and resolved the dispute on the same day. I have also submitted supporting documents for my other accounts to substantiate my claims. 
Unfortunately, my accounts remain in the negative, with no one having reviewed the provided documents, and they are still being utilized at this very moment. It is imperative that my accounts are restored to their original balance as soon as possible. Currently, only one of my bank accounts has issued a refund, while the other account with Chime has not taken any action. I have been a customer of this bank for six years and have never encountered this issue before
Product: Checking or savings account

I am looking for your assistance in helping me recover an unauthorized ACH transfer from my Citibank Business checking account, taken by XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$3800.00}. I have asked my Citibank Representatives to obtain a response from XXXX XXXX XXXX, the XXXX XXXX, explaining how and why these funds were taken out of my account and how they obtained my account number. XXXX XXXX XXXX  has NEVER responded or cooperated in any of the Citibank requests for additional information. Citibank continues NOT to be helpful and will not take responsibility for the unauthorized ACH transaction and refuses to return those funds to my account after repeated requests. Citibank has failed to act in my best interest as an account holder for many years. 
I have repeatedly tried to work with Citibank from XX/XX/XXXX to the present day of XX/XX/XXXX with no positive results. I initiated a first formal Citibank inquiry asking for First Third Bank to return the unauthorized funds with a Determination letter from Citibank dated XXXX XXXX, stated there was No Response from XXXX XXXX, therefore there will be no return of funds. I then initiated a complaint through the Office of Comptroller of Currency with another formal Citibank inquiry on XX/XX/XXXX. A Citibank Letter of Determination dated XX/XX/XXXX stated again - there was No Response from XXXX XXXX, therefore there will be no return of funds. I recently started another inquiry with Citibank on XX/XX/XXXX to keep a new inquiry in process to be able to file a complaint with the CFPB in my hope that you can help me in some way have Citibank fulfill their obligation to protect their clients. I believe that the originating bank, XXXX XXXX XXXX, has an obligation to provide Citibank with the information as to who supplied them the routing and checking account number that belongs to my account and acknowledge that they mistakenly took those funds from my account.
Product: Debt collection

In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company. 

XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''. 

XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was contacted by ERC regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to ERC, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. 

XX/XX/XXXX I was again contacted by ERC with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was again contacted by ERC in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt. 

I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these. 

All supporting documentation will be provided via request.
Product: Checking or savings account

opened Citibank online checking account on XX/XX/2024 Funded by XXXX Checking account {$1500.00} for opening Citibank account deposit. 
Closed account by Citibank on XX/XX/2024 Holding my opening account deposit almost two months without any notices.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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

XXXX XXXX XXXX Is the account that I've been notifying the consumer credit reporting agencies XXXX, XXXX, XXXX, XXXX, and Core Logic about due to their inadequate and invalidated tradeline delinquency details. Since 2021 and about every 3 months since I have mailed letters requested the validated documents per the Fair Credit Reporting Act definition. However, they have either not responded or responded with very little information other than that they have verified the account with the creditor but without ever providing me with the validated itemize documents supporting that this tradeline is in fact reporting correct and accurate and providing supporting documentation that I have consented to providing authorization for my personal and confidential accounts to be made available with their credit reporting agency.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2016 in the amount of {$100.00} at a tabacco shop in XXXX, MN. The ecig was defective from the date of purchase. I contacted Capital One and did what they asked, but they never took care of the purchase per the cardholder agreement. I called back multiple times, sent images of the product and receipt, and did everything they asked. I have been trying to get this fixed for two years. I need help.
Product: Credit reporting or other personal consumer reports

Please, I want to remove the late payment from the XXXX XXXX XXXX
Product: Credit card

I ordered a shaver from a wesite called XXXX, basically the seller is XXXX. XXXX XXXX I used my debit card to make the purchase for {$54.00}. The seller used XXXX to make the delivery, as incompetent as XXXX is, they failed to follow simple directions on just basically to contact me to buzz them inside my building to gain access. Of course they failed to do so. I 've been asking for a refund for over 12 days now just going back and forth with these people. I do n't know what else to do. I do n't normally do this but im asking for help here. The seller which is XXXX of XXXX 's webits is saying we will issue you a refund once the item is returned from XXXX. I never received the item, XXXX has the item, what if it doesnt get returned for months, what if its lost, why am I waiting for this, why am I out almost {$55.00} because someone failed to do their job. This is unreasonable, and I 've been demanding for a refund for over 12 days now through phone calls and emails, please help me!! I do n't know how many people they are doing this too, its sad honestly, I hope no one goes through what I have, I 've lost countless hours on this, its not about the money anymore honestly, its about principle here and doing things right in an ethical manner.
Product: Credit card or prepaid card

The bailiff threw me out of XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2015. I lost everthing. I had to stay in hotels. I WAS DISPLACED. THAT MEANS I WAS CONFUSED AND DISORIENTED. 
Since then I have been working on my credit. 
I wish XXXX XXXX would let me pay off Account # XXXX. 
Because i need my credit score to increase to improve my lifestyle. 
Please assist me.
Product: Student loan

Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.
Product: Checking or savings account

Since XX/XX/year>, I have received repeated fraudulent charges on my Citibank checking account/debit card from XXXX XXXX . I have never had a XXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. On approximately XXXX times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about XXXX times and spend literally dozens of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges XXXX by XXXX, which now total well over XXXX fraudulent charges exceeding {$2000.00} in total. And each time they promise a provisional credit, but I never get one. And each time I call back, they seem to have no record of me calling the prior time. Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more. On XX/XX/year>, I filed a complaint with the CFPB under XXXX. 

On XX/XX/year>, they credited me some of the charges back and on XX/XX/year>, this matter was closed by CFPB because Citibank claimed that they had credited the funds. Astonishingly, after the matter was closed, Citibank reversed the credits and has yet to provide any explanation. I have been trying to reach them for a month by email and by phone and not once have I received a response. It feels like this is deliberately deceptive practice by Citibank to avoid oversight in this matter. 

As a result, on XX/XX/year>, I filed a second complaint, Case # XXXX. On XX/XX/year>, Citi indicated that they agreed that I was wrongfully debited and wrongfully not credited back from the fraudulent charges and explicitly stated that my " claim has been honored and a credit in the amount of {$2200.00} will be applied to the account within XXXX business days. '' As a result, CFPB closed this second complaint. Astonishingly, after a week of not being credited, I contacted Citi but then was only credited {$500.00}. I opened yet another complaint with Citi 's ERU, Complaint no : XXXX, yet have received no response. At this point, it appears that Citi is engaged in deliberate fraudulent behavior in clear violation of the law and to avoid regulatory oversight. It is astonishingly brazen behavior and it must be rectified.
Product: Vehicle loan or lease

In XX/XX/XXXX XXXX XXXX posted a past due on my credit report but my account is not past due.
Product: Debt collection

I told XXXX XXXX that my check was stolen and reported to the police. 

I was informed that I had to provide all my personal details but they didn't have to give me anything, and I replied that the police had the report. I was told it was my problem and that I had to get them the report to their business. When I said, no, I was in a XXXX and they could get it i was informed that they would call me every day until I did what they wanted and there was nothing I could do about it other then bring them the report and then they would investigate and see if they quit calling. 

Requests for things in writing was met with it could only be done by email. 

They were informed it was stolen, it was a fraud and that a police report was filed. Because I did not bring them all the paperwork, a hardship on me being in a XXXX, which they were informed about, they have called at least once a day for the last 10 days and tell me every time they call, they will talk to me tomorrow. 

This is harassment, and when pointing it out tell me " nope. It's a bill you owe. '' When I argue that they tell me they aren't going to get the report and they doi n't have the time to bother with getting it or investigating it so they're going ot keep calling.
Product: Debt collection

I contacted XXXX XXXX and XXXX to repair a solar panel on my roof. 
I paid them {$630.00} on XXXX/XXXX/2015 but it continued to leak so I called again & again. The last time they said the panel was too old to fix but they would come one last time at NO CHARGE, then sent me a bill for {$170.00} and it continued to leak, causing extensive damage to my roof! They had installed the panel so knew the age BEFORE they said they could fix it and took my {$630.00}! Then they turned over the account to Transworld Systems , Inc. Collection Agency for collection! I was lied to and taken advantage of.
Product: Credit card or prepaid card

Received promotion from Chase. 

Attempted to enroll and unable to enroll. 

Tried for two days and over 30 tries.

Reason indicates system is not available. 

Called customer service for resolution. They advised they are unable to help and resolve problem. 

Service is poor. Unable to enroll in targeted promotion.
Product: Money transfer, virtual currency, or money service

" I mistakenly sent money via XXXX  to the wrong recipient and contacted my bank to dispute the transaction. However, they informed me they could not assist. I attempted to reach out to the recipient, but they have not responded. I am seeking help in recovering the funds sent in error. ''
Product: Checking or savings account

Chase bank received my mobile deposit on XX/XX/XXXX they hold ck which is fine, XX/XX/XXXX available balance check cleared, I am at Chase trying to get money from ATM and they have restricted my acct on the possibility that check will bounce I have no neg history never have had history of neg at all with them. Yet I deposited a ck and my acct is placed on hold. I spoke to 3 ppl one says check funds will be available when my acct is off restriction next guy says he can't guarantee but check will be returned tonight last guy says my funds aren't available and they haven't received check back 5 days and they show available funds but funds aren't because acct is on restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting

Equifax is attempting to close another complaint by sending out a letter asking for additional information. In that letter they provide a number XXXX -- XXXX which is an automated system that places consumer in a dead-end loop in which the consumer can not talk to anyone directly about issues. I attempted XXXX times to enter my confirmation number, social security number and street address only to be told by an automated system that the information was incorrect. I then attempted to open up a new investigation only to go through the same process. They are also requesting that I have to manually send information via the mail in order to provide of identity so that they may investigate further. That is a ludicrous excuse to deny access and also respond to a formal complaint first submitted to the CFPB several weeks back. The credit bureau is attempting to place an extra burden upon consumer in order for their company to stall and not respond. I am unable to provide an attachment but have the official letter sent by Equifax on XXXX/XXXX/15 in which they attempt to defer response to the previous complaint and require me ( the consumer ) to provide additional information. The reference number on the letter is XXXX which seems to be associated with the previous complaint but can not be confirm as there is no way to contact Equifax and talk to an actual person. 
Kind Regards, XXXX XXXXXXXXXXXX : ( XXXX ) XXXX
Product: Checking or savings account

{$44000.00} was fraudulently transferred from my accounts via ACH payrole transfers. I promptly requested reimbursement pursuant to the Electronic Fund Transfer Act ( " XXXX '', 15 U.S.C. Sections 1693 et seq. and J.P. Morgan Chase Bank 's policies. 
The bank has failed to reimburse me.
Product: Money transfer, virtual currency, or money service

I requested on XX/XX/XXXX, based on the corona virus epidemic, that this company allow me to pay my debt to them electronically as opposed to sending cash via XXXX which requires me to physically go to a banking location, withdraw funds, and then take those funds to a XXXX location to send my payment thus exposing me multiple times to potential illness. The last time a payment to them was returned was in XXXX of XXXX. Since then my account has never had another issue. My bank provided a letter to them stating my account was open and in good standing, however the company continues to deny me any other option for payment.
Product: Credit reporting or other personal consumer reports

I sent XXXX XXXX, XXXX, Equifax and XXXX documents stating that I am a victim of identity thief. XXXX, XXXX and Equifax all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, XXXX, XXXX XXXX, police report notarized. XXXX XXXX XXXX  # XXXX Bal {$2100.00} date opened XXXX closed XXXX