23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a telephone call on XX/XX/2020 from a debt collector demand payment of {$1200.00} owed to a firm called XXXX, XXXX XXXX Ca. I informed this caller that I had never done business with XXXX and to cease trying to collect a debt I did not owe. 
I then reciveed a demand letter from the debt collector, XXXX XXXX and XXXX, XXXX Ohio, stating that I needed to make this {$1200.00} payment now or they would take further steps to collect this debt. I replied in a letter ; that I never did business with XXXX, that I did not owe XXXX {$1200.00} and asked for documentation for this debt. This debt collector did not provide the documentation, and called again. 
I was finally able to get someone at XXXX to response to my request for assistance and was provided with an invoice dated XX/XX/2020. It was billed to a company named XXXX, without a address, telephone # XXXX XXXX it stated the the payment would deducted from the account on record. I asked or documentation such a signed contract, name of the Account on record, customer contact information. The reply from XXXX was to contact the debt collector.
Product: Credit card or prepaid card

On XXXX XXXX we entered XXXX XXXX, enticed by their outdoor CLEARANCE notices. After two hours of viewing furniture with salesman XXXX XXXX. ( none of the XXXX employees disclose their last names ), we used our CITICARD ending XXXX to pay {$7400.00} for XXXX large pieces of furniture ( sales detail attached ). XXXX XXXX and XXXX XXXX clearly understood the furniture was intended for an, under construction, vacation home located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, Ohio. and delivery would not be possible till XXXX or XXXX. The very next day, XX/XX/XXXX, XXXX tried to schedule delivery. Under the XXXX hour cancellation, we tried to cancel the transaction. 
From XX/XX/XXXX to XX/XX/XXXX through numerous voice and written contacts with CITIARD BILLING DISPUTES ( XXXX ). CITICARD denied cancellation. 
Requiring us to pay them {$7400.00} for the XXXX pieces of furniture. 
During the 4 months no " CITICARD INVESTIGATOR '' contacted us, and apparently accepted the absolute false statement by XXXX XXXX, mgr of XXXX, that this XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX wife XXXX XXXX, walked from the store with all XXXX pieces of furniture on XX/XX/XXXX. 
NONE OF THE FURNITURE WAS TAKEN OR LATER DELIVERED TO US. 
Yet CITICARD demands payment.
Product: Payday loan, title loan, or personal loan

I have been contacting both Affirm and XXXX about the defective fabric on a couch that was delivered in late XXXX. I kept on getting the run around on " no that's normal, it fades ( I live in XXXX, I get at the most XXXX minutes of sun and it's on the sofa ). I purchased the extra warranty which from what I understand doesn't do anything but bring a stranger into my home to look at it after I sent in several photos showing the issue. I have paid my loan on time and looking for a resolution. XXXX, who the couch is from is not helping either.
Product: Credit card

refused to issue me a new card even tho it expires in less than a month. when they do get around to sending, as per their supposed process with only 2 weeks left, they send it with no tracking regular mail, then refuse to assist in anyway towords getting a new card in the customers hands. the account is tied with my payroll so now i can not get any paycheck or pay billes until they get around to honoring their commitment. They refused me contact with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

I am having issues with PayPal putting a hold on the payments that I make on the PayPal Extras Mastercard everytime I pay more than the minimum due. For example, I recently paid the full statement balance of XXXX on the bill that was due on XXXX/XXXX/16. It cleared my account at XXXX XXXX XXXX on XXXX/XXXX/16 but as of today, my PayPal Mastercard shows {$0.00} credit available. The account reflects the payment I made and I have a credit line of {$2700.00} but it 's still showing I have no credit left. I called yesterday and they said they can not release the credit
Product: Credit card

Someone used my card to make fraudulent purchases on XX/XX/2023 ; XX/XX/2023 ; XXXX XXXX ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023, at a merchant named " XXXX XXXX '', totaling {$1000.00}. Upon discovering these transactions I immediately restricted my card and contacted the issuer ( Goldman Sachs on behalf of Apple ). To date no less than 15 " cases '' have been opened regarding these transactions, with about 1/2 of them being resolved correctly in my favor, while the other 1/2 the card issuer keeps refusing to properly handle the investigation into this fraud. I have submitted a copy of a true and valid copy of the Police Report I filed, yet my card issuer continues to refuse to properly handle this matter.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SYNCB/LOWES XXXX SYNCB/LOWES XXXX, SYNCB/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a text from Citibank asking if I was making a purchase from EXXON. I logged onto the mobile app and noticed an alert and I called and said no. I then noticed additional charges for 3 other purchases that were not mine and I advised Citibank. A hold was placed on my debit card and a replacement was sent and received XX/XX/XXXX. On XX/XX/XXXX I received a call from a person stating his name was XXXX and was calling from Citibank. The number was the same as the Citibank XXXX. He asked is I was making a purchase from an XXXX XXXX in California for {$6500.00} I advised no. XXXX sent several one time codes to confirm actions and reset my account and the wire transfer feature. He placed the name XXXX XXXX and when I asked him about the name he said it was fictional just to reset my information. Later that day I logged into my Citibank mobile app and noticed that there was a wire transfer for {$6500.00}. I called and was told fraud was closed. I called XX/XX/XXXX and spoke with XXXX for unauthorized wire transfer and then spoke with an XXXX and received a report number XXXX. I was again issued a new debit card. I noticed the name on the payee of the wire transfer as XXXX XXXX. I filed a police report XXXX and FBI report XXXX. On XX/XX/XXXX. XXXX I received a claim notification and affidavit of unauthorized wire transfer dated XX/XX/XXXX from Citibank on XX/XX/XXXX I completed and notarized and returned XX/XX/XXXX within the 10 day period required and verified it was delivered XX/XX/XXXX. On XX/XX/XXXX I received a response dated XX/XX/XXXX from Citibank that my fraud claim has been denied stating I did not take adequate steps to safeguard my account which compromised the security of my account information. I have been a customer since XXXX when my account was with California XXXX XXXX XXXX and Citibank took over. I have never done a wire transfer or used my Line of Credit which was used for the wire transfer. I have an outstanding history on my checking account and would never wipe out all of my funds including my social security check. I was left with no rent money, utility funds or grocery money, I live in Arizona where there is no Citibank branches. It is 100 plus degrees and I cant use my air conditioning as I can't afford the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) dut to inadequate customer service and unfair practices which violate the customer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on our platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process and unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I woke up to find an unauthorized inquiry on my credit report, which makes no sense. I always check my report, and today, there were discrepancies out of nowhere. I even refreshed my browser, thinking it might be an error, but the issue persisted. This is beyond frustrating, and I want this matter addressed without delay. Please go over my submitted documents thoroughly and resolve this once and for all.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE 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! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX SENT ME A FRAUD CHECK XX/XX/year> I already have a complaint filed which they responded to quicker than any message i sent the before i messaged the cfpb seems them CFPB gave them an odd push and they still took my money! I went to bank and felt so embarrassed. 
They finally sent my check yet its fake I've took it to the branch it came from which is chase and ITS NOT LETTING ME CASH IT ANYWHERE even on my XXXX which i never have problems with. after waiting 3 months for it after account closure This proves they are 100 % fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I want to delete information that's currently on my file. This information is identity theft, and I did not make these charges stated on my credit report. I beg of you to deleted these incorrect items off my report. i reported the theft of my identity to the Federal Trade Commission and i also included copies of the Federal Trade Commission 's Identity Theft Affidavit. i appreciate if you deleted these items as soon as possible. I am trying to relocate to another state because the state that i am in Covid 19 cases are sky high. This identity theft is stopping me from doing so.
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to XXXX XXXX 's verification I already sent a registered security for the full {$2900.00} to XXXX XXXX XXXX ( Vice President ) of XXXX on XX/XX/year>. I sent it to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nebraska, XXXX. The USPS tracking number is RE XXXX. You can go to the USPS tracking website and track the payment as it has been delivered to the agent. Even though I've sent my payment, XXXX charged me {$53.00} on XX/XX/year>. 
XXXX XXXX XXXX XXXX. This is the Link for the payment Ive sent. When I first got this loan, I applied using an application called a promissory Note. So, my promissory note has already paid off the debt. Since XXXX wants to be greedy Ive sent another security and I would like XXXX to use this Promissory Note as security collateral to pay off all debts owed to the principal. According to the Bill of Exchange act only way to pay a bill is using Interest. The Promissory Note is the application that creates interest and I would like to pay the Principals debt using the interest created by the Promissory Note. 

Unless the full amount is credited within 10 days, we have no choice but to submit a claim against XXXX XXXX XXXX of XXXX for false and misleading representation under the Fair Debt Collection Practices Act. Most Importantly as an investor in XXXX, XXXX has violated the Securities and Exchange Commission ( SEC ) for Securities Fraud. I would have to contact the SEC for Securities Fraud. I would also contact the IRS and submit a 3949a form and call the IRS on XXXX on XXXX XXXX of XXXX for securities fraud as well as identity Fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$2500.00} {$2200.00} asked for removal
Product: Credit card

I have an account with Care Credit ( Synchrony Bank ) for various XXXX related expenses. Their claim is pay within the stated time frame and there is no interest. I have XXXX separate promotional balances I am paying and all XXXX have different expiration dates ie, the date where no interest will be incurred if the balance is completely paid on that promotion. I received a statement last month stating a balance was due to expire ( ( {$540.00} ) and I sent {$300.00} expecting I would send another {$300.00} this month - pay off that balance and apply some money to another balance that is not due to expire until next year. Instead, they split my payment and applied only {$100.00} to the expiring balance making my payment this month {$430.00}. When I called them, I was told my payment would actually be {$430.00} plus {$210.00} ( the minimum balance ) to avoid interest charges on this particular promotion. This is outrageous and intentionally sets consumers up to 'fail ' so that they incur all these interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Want to sign up for Equifax 's TrustedID service for my wife and me. We have one -mail address and the TrustedID service requires an E-mail address as the user ID for  each person. Thus can only sign up one of us for the service with out opening another E-mail address just for this service. We would have to monitor the new E-mail address for any alerts. Since we would not use the new E-mail address we may not notice an alert in a timely manner. Equifax 's system ID requirements limit families from signing up for the service. 


What if you do not have an e-mail address? Are you unable to sign up for the Equifax TrustedID service?
Product: Credit card or prepaid card

Complaint about XXXX XXXX This bank issues credit cards to XXXX XXXX XXXX   stores customers and handles the credit card purchases. I was late couple of time, one time 2 hours and another time 6 minutes. I pay on line and the cut off time for payment is XXXX XXXX pst, but I thought it was XXXX.   Technically compare to few years back that on line payment was not common, they had to receive payment on due date and it would take 2-3 more days for them to receive the actual payment, but now days with electronic payment system it is instant. 
I asked them if they could waive the late fees and they said no. I said ok, then I'll pay what I owe for items that I purchased - minus the late fees- and asked them to close the account. They closed the account but kept late fees as balance of the account. This was back in XX/XX/XXXX. Since then they keep adding late fees. I paid what I purchased, I thought that was fair. I actually paid them extra {$20.00}, beyond what I purchased. 
Can they keep adding late fees, even after account is closed? 

Can you help on this matter?
Product: Payday loan, title loan, or personal loan

an unauthorized payment was deducted from my account without my permission or acknowledgement, this caused additional overdraft fees on my checking account. there was no post dated payment set up or permission to process on that date amount was XXXX there was no contact from world finance or indication that payment would be processed ..there was no info on loan docs that they could submit transactions at will
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of an account listed on my credit report by XXXX XXXX XXXX account # XXXX, which is marked as " Charge Off. '' This account should not be on my credit report, as the information is incorrect and the account should be removed entirely. 

I have previously contacted the credit reporting agencies XXXX and Equifax, and the creditor XXXX XXXX XXXX to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit. 

I request that the Consumer Financial Protection Bureau intervene to have this account completely removed from my credit report. 

To verify the accuracy of this information, I am requesting the following documentation from the creditor : 1. The original signed contract or agreement for this account.

2. Full payment history, including dates and amounts of all payments made.

3. Documentation of the charge-off, including the date and reason for the charge-off.

4. Proof of notification that I was informed about the charge-off.

If the creditor can not provide this documentation, I request that the CFPB instruct the credit reporting agency to remove this account from my credit report entirely.
Product: Credit card or prepaid card

Around XXXX XXXX XXXX  I closed my credit card with Capital One with a balance on my favor for {$8000.00}. 

At the beginning of XXXX I called the customer service number to know about the status of my reimbursement. 

XX/XX/XXXX They asked me for a lot of documentation to prove I had that money under that account and where the money came from. At the end of the call they said they will sent the check. 

XX/XX/XXXX I called to know about the status of the check, and they mentioned it was lost in the mail and they need to reissue another one. 

Today XX/XX/XXXX they still don't know the status of my money. 

I have paid interest for that money and Capital One has not giving me an answer yet.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

A collection account was recently added to my credit reports by Harris & Harris Ltd. in the amount of {$140.00}. I do not recognize this account and am requesting swift removal of the account from my XXXX, XXXX, and XXXX credit reports, unless a copy of the original credit application and contract that contains my signature can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out about my information on my report with identity theft and fraudulent accounts please help they are not responding
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Superior Court and they have advised they do not give out any information to the Credit Bureau, I have asked Equifax to Validate where they gotten there information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged Account at issue : DISMSD/CLSD XXXX Overview Reference Number XXXX Date Filed Reported onXX/XX/XXXX Responsibility Individual Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
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 # XXXX has violated my rights. 

Account Name : XXXX/XXXX  Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights Account Name : 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.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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: Vehicle loan or lease

I officially paid off the vehicle on XX/XX/. Now over a month later they barely said they released my title to me ( XX/XX/XXXX ). Its been 9 business days since then and we are on XX/XX/XXXX and still no title has arrived. This should have been completed weeks ago and still no title
Product: Credit card

I called their service number and requested to pay off XXXX balance offers. The CITI representative reviewed the account. She came back and said I had to pay {$2200.00} on XX/XX/2024. She asked for my routing number and account number for my checking account. I did and the money was paid to CITI. The representative said zi now only have my XXXX term loans. When the statement arrived the money did not go to the balance accounts as thei representative said. The money went to the Flex Loan which is a fixed loan. By this happening the balance offer will become due shortly and I would have to pay a usury interest rate. I contactedCiti on XXXX occasions and was tol they can not change the accounts the money was put into. I told them to refund my excess payment because it posted. I said the extra payment was to pay off the balance loan. This was clearly a lie on CITI Bank and either do what they represented or said back my extra payment. Please help.