23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX I disputed five charges on my Citibank credit card by one merchant ( XXXX XXXX XXXX ) regarding two XXXX units the merchant admits they never installed. Citi asked for additional information which I provided in full XXXX The 5 charges totaled {$31000.00}. 

Citi reversed the {$7600.00} charge on XX/XX/XXXX and the {$7100.00} on XX/XX/XXXX in my favor. I discovered recently that Citi rescinded the {$7600.00} they'd previously credited to me on XXXX  They can not provide a reason because the files are " so old ''. I've followed up with Citi 's Dispute Dept. 8X over the span of a year while they pretended to process my dispute until they aged it out into irrelevancy, then tried to blame me for their failure. 

On XX/XX/XXXX, I called Citi who told me the claims were all closed. In addition to the {$7600.00} they reneged on, Citi refuses to reverse the {$6900.00} and {$1800.00} charges for my alleged failure to respond to another request for info which they inadequately posted to my account without notifying me. The information was unnecessary in any event, as evidenced by the fact all the same information I provided XXXX XXXX XXXX allowed them to reverse two other identical charges ( and the reneged charge ). All five charges relate to the same merchant for the same transaction. The merchant admits they defrauded me by taking money for services they never rendered. All five charges should be treated the same and all should be reversed in my favor. Citi reversed charges for {$15000.00} but refuses to reverse {$16000.00}.
Product: Debt collection

This company has contacted me regarding a bill to a healthcare facility! Congress collections is the debt collector for a health service that they claim I used! This is in violation to the HIPPA law! My rights were violated by this collection company! If this was a medical service that used, I was fully covered for it! I was harassed by phone and mail. The Collection company as well as the healthcare facility violated my HIPPA rights by sharing my private information!
Product: Credit card

On XX/XX/XXXX, I went to the TD Bank branch at XXXX XXXX for routing banking needs. They strongly suggested that I get a secured credit card with them, and despite saying no thank you, they pressured me into coming in the next day, XX/XX/XXXX. They had me fill in the application and apply *without showing me the fee schedule or the terms and conditions of the card*. Because I was not presented with the list of fees, I assumed that the secured card would have the same fees as the unsecured card with the same name, but it actually had a {$29.00} annual fee that I was never told about or shown. They then proceeded to enter my information wrong and I had to return on XX/XX/XXXX to correct my application, still not being aware of the fee schedule or any other details of the card. When I finally received my card in the mail, that is when I got the fee schedule and other details, and I was surprised to see the fee. On XX/XX/XXXX, I sent in an inquiry through the mobile app about this and received NO RESPONSE for many days, so on XX/XX/XXXX, I called in to explain this situation and to cancel this card. I was told by the phone rep that since I had not used the card yet, I could cancel the card and get the annual fee waived. However, on XX/XX/XXXX, the annual fee was charged and taken out of my collateral account, directly conflicting with what I was told. And despite my account having been " closed '', I can still see it active in my mobile banking app with the original credit limit. 

I am extremely frustrated because the fees and terms of conditions of the card were not disclosed to me when applying ( a violation of federal law ), I was lied to about the annual fee being waived, I did not receive a reply on my inquiry for over two weeks, and my credit card account appears still active despite me having closed it over a month ago.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ). 

Please see attached Identity theft report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2900.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} XXXX, XXXX & XXXX XXXX XXXX XX/XX/XXXX -- {$4300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 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, credit repair services, or other personal consumer reports

I have noticed that account ( Barclays Bank Delaware ) is reporting on my report. This is not my account. Im not the primary account holder. I was added as an authorized user fraudulently. The primary account holder and the credit card company wont remove me without the primary account holders permission. The account is not my account. InXXXX 2020, I contacted the company to ask that I be removed but was told I needed the last four of the primary account holders SSN, which I didnt have because it was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to a rental company on XX/XX/XXXX named PMI XXXX. I was denied the rental because via my tenant screening report my DOB and SSN did not match according to my Equifax report. I checked and pulled my full report upon receiving my copy from the company and indeed my DOB is wrong. I need my personal information updated, I have placed a freeze on my credit report via Equifax and need to report fraud on the individual whom birthdate is presented as mine on my Equifax personal account.
Product: Debt collection

I contacted ARS and spoke with their representative XXXX XXXX on XX/XX/2020. XXXX agreed to accept {$200.00} as a payment in full in exchange to delete all trade lines from my credit report. Payment was made at the time of the call, and the phone call was recorded by ARS and myself. As of today, the account shows the payment, a remaining balance, and has not been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im  the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Hi i have a CD with bank of america worth XXXX $ that is tied to a business credit card as collateral that is set to expire this month and they said they are gon na renew the CD and not release it from what i read in a letter in the mail ... 

So i want to release the CD and get my money back, i tried calling there phone support and they transfer me to there business team which just automatically hangs up on me or is never open and I tried in branch but they seem to be clueless no one at bank of america seems to want to help with this can you guys please help? 

Thanks!
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX I jus received this email from PayPal I've been using this account since mid last year. After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of unapproved file sharing services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds. If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiry that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

Disputed Inquiry : 1.- XXXX Inquired on XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX XXXX )
Product: Debt collection

SW Credit systems I went in to XXXX XXXX XXXX and settled with them in full in XX/XX/XXXX2016. Spoke with several representatives that there was no balance and just phoned in today. This is not my debt and i want this removed off of my credit. You will see the last payment and settlement amount attached. Please remove my file immediately.
Product: Credit reporting or other personal consumer reports

I received my credit score while applying to take over a lease with " Appfolio '' for an apartment complex in XXXX XXXX. I was denied the lease because of this score. When I check through my bank account, the credit score is XXXX. On the background check it says my credit score is XXXX.
Product: Debt collection

A loan was taken out from a company called Speedycash. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to XXXX XXXX collection agency which I disputed explained the loan was illegal and not enforceable. XXXX XXXX then placed a collection on my credit report which is illegal.
Product: Credit card

On a Citigroup Credit Card ( US Air Affinity ) i took out a Citi Credit XXXX 12 month term loan. 

Received my Citi Credit Card Statement yesterday which included normal credit card purchases and reflected total balance due for the the CitiXXXX Loan but no information on how/when/what on CitiXXXX  loan payment requirements XXXX 

I suspect the minimum payment on the statement would trigger predatory fees/interest. 

i had to contact CITI online for exact payment amount for credit balance + Citi XXXX loan obligation which was not reflected on Statment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and breach of information. Information from XXXX XXXX appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started with this company I say back in XXXX XXXX and I was told that they would pull my credit report to see where I stand and that it was a soft inquiry well that was wrong it was a hard inquiry that they told me would be free and a onetime startup of XXXX well that was wrong to they charged me XXXX the first day. So when I questioned them about it they advised me they where checking to see if I had funds to cover and would be credited back to my account NO! it was never done, I have spent over {$800.00} dollars with this company for them to write letters and to help me in which it was not an success and now I am being harassed by the law firm that they some how work for legal fees and services .Also I kept calling they would hang up or keep transfer the calls to Different departments and hang up or say they will return calls or better Yet lock me out of the account so I cant see what there doing to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX In accordance with the Fair Credit Reporting Act, Public law 91 506 title vi section 611 subsection A-D provide the names and business addresses of each individual with whom you verified the above account, so that I may follow-up. Please send me an updated copy of my report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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 15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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 card or prepaid card

On XXXX XX/XX/2023, one unauthorized transaction was shown on my Chase credit card mobile app, and I called Chase immediately to cancel my credit card and require a dispute ; however, two months later, they rebilled me this transaction which is {$1100.00} on my balance. I tried to redispute this transaction. While looking for a solution, one of the local branch managers told me that in XXXX, Chase had sent me a new credit card which I had never received, and the information I was not acknowledged until they told me. The transaction I want to dispute was made by that new credit card with the same card number but a different expiration date. The most confusing part is that they sent me a new card, but at the same time, my old one can still be available for purchase. The new credit card, which apparently had gotten stolen, also can be used without my authorization or verification. The Chase XXXX department staff told me that she had done her investigation and showed the person who used my credit card was possibly my relative or a friend. The reason they provided it confuses me because the mailbox in my building has all the names who inhabit my building, her explanation was the person she reached out to was able to claim the persons name on the mailbox is living with me but I don't recognize who they are. Ultimately, Chase bank denied my dispute.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX, XXXX regarding a credit card account which is in collections. I have not nor applied for that account. It is neither showing up on my credit report nor my husband 's? The company reporting the collection is Capital One which was XXXX prio. Is this a scam? If so, I will be reporting this matter to legal authorities.
Product: Checking or savings account

I recently opened an Axos Bank Rewards checking account on XX/XX/2022 using promo code XXXX which gives a {$300.00} bonus for meeting specified terms for new account holders. Terms have been provided at the bottom of this form. 

On XX/XX/2022 a {$7100.00} third party deposit was deposited into my Axos Rewards checking account originating from XXXX XXXX, and the transaction coded as investment income. This deposit transaction met the terms of having a deposit within a single month from a third-party, being within the first 3 months, and since the deposit was greater than {$7000.00}, it meets the deposit threshold in order to qualify for the new account bonus terms. 

I tried reaching out to Axos bank to check on the status of the bonus via their online messaging system on XX/XX/2022 and have yet to get a response. When I created the account online, the promotion code was automatically attached to the application in a non-editible field. 

Since Axos Bank has failed to initiate a conversation with me to handle the matter, I would like CFPB to step in and help with remediating the situation to ensure that Axos Bank stands up to their obligation. 

" To receive up to a {$300.00} Bonus : An Axos Bank XXXX XXXX application that includes the promotional code XXXX must be submitted between XX/XX/2022 at XXXX PST and XXXX PST on XX/XX/2022 to qualify. You must open your new Rewards Checking account and have qualifying direct deposit ( s ) see table below. Total Qualifying Direct Deposit amount in 30-day Evaluation Period You must have these deposit amounts within a single calendar month during the first three ( 3 ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank brand account ) to receive bonus credit. All eligible awards will be delivered to your Rewards Checking account within 30 days following the 90-day waiting period. Account must remain open for 180 days or an early closure fee of {$150.00} may apply. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the 30-day Evaluation Period. ''
Product: Credit card or prepaid card

I made a credit card payment for a repair on. It was authorized XXXX XX/XX/2022, but didn't post to my account until XXXX XX/XX/2022. I was told by multiple agents for USAA that what I am asking for is a dispute and not fraud. I told them the difference between the two but they were insistent that what I wanted to file was a dispute. One of the agent even told me that they are authorized to handle credit card fraud and every single one of them were adamant that I wasn't aware of the difference. One even told me that he was reading from the script. They all kept asking me personal questions that were not on their computer screen and making their own assumptions and what was is was not fraud. I am also missing my statement from XXXX XX/XX/2022 and the reasoning behind it was I had a XXXX balance. I know that even when there is a XXXX balance I am still supposed to receive my statement. They can not see the statement from their end so that means someone deliberately deleted/did n't post my statement intentionally. Every single representative I spoke with told me I was being unprofessional, told me I needed to watch my tone with them and even hung up on me because I refused to allow them to file a dispute.
Product: Money transfer, virtual currency, or money service

My account was unexpectedly frozen on XX/XX/15. No reason on a random day. I sent my license information and other documentation needed and 2 months later nothing has been resolved. I sent over another email- again nothing.
Product: Credit reporting or other personal consumer reports

I kept getting denied for credit do to past due accounts, delinquency. I have never had this so I checked my credit reports and Experian is showing me as to having a synchrony XXXX through XXXX as of XXXX XXXX. XXXX wrote it off as of XX/XX/2023 do to no payment made. I spoke with XXXX and they assured me I had never had this card. I had a dispute with Experian that came to the conclusion I was correct and had accurate statements. However this is still on ym credit report. How do I make them take it off??