23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I bought 4 bottles of oils from a company called XXXX XXXX for {$170.00}. I never received the oils. I received 3 empty bottles and one bottle of a smelly, cloudy liquid that was not oil. On XXXX XXXX website it says money back guarantee. I communicated with them regarding a refund, and they said yes, they sent me a return label. I returned the empty bottles. They said that they deposited my refund of {$170.00} into my KeyBank account on XX/XX/23 but I have not seen the deposit. And it's not on my bank statement either. Key bank is telling me that they have not seen the deposit either. I opened up a dispute with key bank and they told me they would do an investigation. I communicated with XXXX XXXX again and they said that the reason we can not see the refund is because I opened up a dispute. I spoke to the bank, and they said that we are able to see the deposit even with the open dispute. So, I communicated again with XXXX  XXXX and they said that key bank is lying, that they are incorrect, and that key bank has my refund. Key bank is saying that they do not have my money. 
Key bank has denied me. The reason they gave was because they say that I authorized the transaction. I told the bank that I was maliciously lied to, I was deceived. I was scammed. That this is deceitful fraud. 

XXXX XXXX is making an unjustified criminal claim that they returned my money back into my KeyBank account refund Refrence deposit number XXXX On XX/XX/23. 
But they have NOT. And the bank has a document that says XXXX  XXXX refunded my money into my bank and they also have the screenshots of the texts of XXXX  XXXX saying this as well. 

XXXX  is fraudulent, they are also making an unjustified criminal claim that they did send me the product I bought, BUT they did NOT, they were EMPTY bottles!!!! 

I have sent Keybank many emails and have called Keybank on the phone many times regarding the company XXXX XXXX being fraudulent and deceiving me on purpose. I have sent key bank documents, pictures, texts from XXXX  XXXX as proof and I will sent them to you as well. 
I asked key bank for a chargeback. A reversal of {$170.00} to be put back into my bank account but they denied me. I asked for the case to be reopened on XX/XX/23 but I am afraid that they will deny me again. Please help me get a chargeback from key bank due to fraud, being misled on purpose and lied to. Sincerely XXXX
Product: Credit reporting or other personal consumer reports

Transunion Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Transunion.
Product: Payday loan, title loan, personal loan, or advance loan

I had requested a stop payment from my credit union pertaining to this merchant, while trying to reach a settlement. However, they still are able to circumvent through stop payment and withdraw funds from my account in the amount of XXXX. I have requested a copy of a contract with the terms of this loan multiple times with Spotloan and yet I have yet to receive it. They are straight up con artists and I have a buyer 's remorse.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 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 Listed below are the Personal Infor As required by 15 U.S.C 1681c-2, 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: Debt collection

I am writing to you today regarding the following business account : Vehicle : XXXX XXXX XXXX, VIN : XXXX. 

The account is handeled by JPMorgan Chase Bank. I am really surprised about how this company has been committing multiple violations to my rights. This dispute is the result of a detailed reaserch that took me a lot of my time. 

Please, I ask you to send to the company involved, the attached documents that proof all the violations committed by Chase. 

Thank you, CFPB.
Product: Credit card or prepaid card

I have been with the company for years and my direct deposit has been with them for almost a decade. They closed my account and could not give a solid reason as to why they closed it. I have spoken with multiple reps who said I would need to reapply in order to open the card back up. It should have never been closed since I was making the required payments. It also appears in my dashboard for online banking. I noticed the accounts interest increased even though the account is closed. I should not pay an increased interest rate when the account was closed prior to the increase.
Product: Credit card

on XXXX XX/XX/2015, i have noticed that American Express has been reporting inaccurate billing information on my credit report. I am disputing a amount of XXXX, the company is reporting 30-90 days late on my credit report for which I have no knowledge of. I have contacted the company and the company is still reporting a balance that is under investigation. By law the company is not suppose to report a dispute amount on a person credit report untill the investigation is fully been resolved. The company did not address the problem. I told this company that I have no knowledge of the balance and no knowlegde of where they are collecting a payment from. I told american Express that I do have a fraud alert on my credit report and that the company should have called me, but the number that the company provided does not match the number as of now. This company had someone to open an account in my name and is affecting my credit negatively. This company is engaging in identity theft and fraud. I am asking this company to stop reporting negatively on my credit report untill the disputed amount is resolved
Product: Debt collection

If NetCredit had dealt with me to underwrite any loan, they would have recognized the XXXX XXXX taken from the XXXX XXXX XXXX XXXX, and found me incompetent at the time, and sought to cash in on abusing me in an attempt to gain access to XXXX XXXX. It is in NeCredit 's best interest to recognize that I was scammed, and accept the police incident number provided. Was Netcredit incompetent at determining my XXXX XXXX, or trying to take advantage of XXXX XXXX XXXX, they must have been aware of if they were dealing with me directly as they claim?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my ftc report I have sent in I have five disputes and Equifax will tell me that results are completed and that the information has been DELETED!! I have still ever time checked and the information that is NOT MINE AND PROOF HAS BEEN GIVING THAT IT IS NOT MINE IS STILL SHOWING ON MY CREDIT REPORT AND I AM NOT HAPPY ABOUT THIS COMPANY WHOM KEEP VIOLATING MY RIGHTS I WANT THESE FALSE ADDRESSES DELETED NOW XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only address that is min is the one on my eleteric bill I just summited as proof on this form
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are two instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX XXXX Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.
Product: Checking or savings account

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SoFi Bank XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Notice of disputed charge to Account No. XXXX Dear [ Contact Person or Billing Inquiries Division ] : I am writing to dispute a charge of {$410.00} & {$24.00} to my Debit Card account on XX/XX/year>. The charge is in error because I selected a departure & return flight thru XXXX. Upon payment for my airfare I received an itinerary with a different return date than I selected. I reached out and was advised it was because the flight filled up. So I made the agent aware that return flight would not work for me. Was there any other options in which I was advised no. I said if thats the case you should not have allowed me to pay for the flight I selected. If you cant accommodate my request please refund my purchase. I was told they would work on that. However I have not been contacted in any capacity except one e-mail. 


I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of [ describe any enclosed information, like sales slips, payment records, or documentation supporting my position and experience. Please correct the error on my account promptly. 

This was written to along with screen shots from XXXX & provided to SoFi Bank. I was advised in 10 Business days I would receive a credit or provisional Credit. I called today 12 business XX/XX/year> to be advised it may now take 90 days. I said thats perfectly fine. However you will be providing me with a provisional credit correct which was stated to me upon opening my dispute correct? I was hung up on after asking this question.
Product: Credit reporting or other personal consumer reports

I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXXXXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft from XXXX documented from IRS, police reports etc. At the time when the ID theft occurred I had my XXXX account taken over which resulted in the subsequent unauthorized access to my bank accounts and other accounts. In XXXX I was paying TransUnion for there premium subscription to monitor my credit which also included Identity Theft Insurance. As I lost access to my XXXX and still have not been able to access again ( 3 years later ) I was not able to access my TransUnion account or receive any assistance from TransUnion. Essentially my subscription was for nothing. Moving forward I ended up with fraud in several existing accounts and fraudulent accounts being opened with my information. I reported the incidents to police, FTC, etc. I have contacted all the credit bureaus and have been working on restoring my credit which has been an uphill battle. TransUnion now refuses to give me online access to my credit for the REST OF MY LIFE. They refuse to give me anything stating the reasoning for this. I explained this is not helpful, this is hurtful and I need online access to my consumer credit account so I can monitor and continue to clean up the Identity Theft remnants. I placed a fraud alert originally with them XX/XX/2019 File number XXXX. The document I have from them after I filed this initial report states I should sign up for True Identity for XXXX XXXX XXXX yet they are denying me access to the free product. I have no issues with the other credit bureaus and have online access and XXXX XXXX across the board. Today I spoke with XXXX a supervisor at TransUnion Online Services who gave me the REFERENCE # XXXX and told me I have no ability to view or monitor my credit online at all. This is unjust and the opposite of what is stated in the Fair Credit Reporting Act rights of Identity Theft Victims Summary of Rights- that was mailed to me directly from TransUnion and I am writing this because I need access to my credit report online to monitor and have the ability to freeze/unfreeze my credit.
Product: Credit card

America Express reported me to the credit card agencies with no real explanation AND then said I was in good standing. I have very good credit. I tried calling over XXXX times and faxing letters and NO help whatsoever. It appears on my credit report as a negative. The laws need to be changed. If I paid for 10 years perfect and owe them nothing so that would 99.9 % that my account was paid and they have ruined it 100 % by making a false statement. The statue of limitations has expired.
Product: Credit reporting or other personal consumer reports

law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue and account AND INQUIRY Called XXXX opened XX/XX/2023 I do not recognized neither have authorized this company to run my credit
Product: Credit card or prepaid card

XXXX Purpose : Please give me my interest XXXX points. 

My PREFERRED credit card was closed on XX/XX/XXXX by Citibank, but my interest was XXXX points after negotiations they refused to give me, now asking CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
Product: Checking or savings account

Last month, I prepaid my car insurance ( XXXX ) early. Then, they accidentally took the payment anyway ( again ). This overdrafted my account, causing {$70.00} in fees. These were EVENTUALLY replaced but I had to wait over a week for my own money. This month, again the account was too low when they attempted to take my payment for the first time. XXXX will retry if denied, without fees accessed. When I dialed Citizens Bank for help, they said, " We can apply for OD protection and/or a line of credit ''. Great! 

So I thought. I was denied both ( surprise ) but charged {$35.00}. For the insurance. Then {$15.00} from an app was charged. I was not denied, simply charged another {$35.00}. 

I expressly told Citizens that they do not have permission to pay out anything that I will be charged for. I'd like my {$70.00} back.
Product: Consumer Loan

I was pressured into a loan by XXXX Chrysler the loan interest rates were pushed on me I was told if I did n't sign I would not get a loan from anywhere else. And when I did return to the dealership with my other options they were out of Bussiness. I was taken adavantage of by the dealership and Chrysler capital financial over 25 % interest on a car that worth less then XXXX is criminal
Product: Student loan

CFR 1026.13 Violations by SALLIE MAE ( SMB ). Various other FCRA and FBCA violations. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to dispute a item online and Im getting a error message on my XXXX credit report I contacted XXXX and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target  credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed
Product: Debt collection

I 'm disputing the following debt with AFNI a collection agency in the about of {$310.00}, from XXXX. I 've contacted AFNI and was sent a bill. Well the bill is n't my bill and is a result of fraud. I have attached fraud paper from the IRS, also the address listed on the bill is n't my address. The bill date that was sent to me from X/XX/12 is from an address in XXXX XXXX Florida. At that time I was living in a total different city my address was XXXX XXXX XXXX XXXX XXXX XXXX Florida.. Again I was a victim of fraud and have a personal identification number for filing my taxes. I also check AFNI for license to collect in Florida after they were give me such a hard time after I told him that this account was fraud they have no license to collect on a date in Florida. Please see attached paper stating AFNI is n't license to collect in the state of Florida.
Product: Checking or savings account

I filed a fraud dispute regarding a transaction that occurred on XX/XX/2024. I received a credit for that amount on XX/XX/2024. I called to investigate the information and asked if the company had refunded my account. When I spoke to the customer service representative at XXXX, I asked if they could look over my account with me because I thought the original company had refunded me. She explained that she did see the credit on my account and that she had a refund. Since I was under the impression, based on what the customer service representative was saying, that this was, in fact, a company refund, I asked to cancel the dispute. The customer service representative at no point explained to me that this was a temporary credit. On XX/XX/2024, I saw that the money was deducted from my account again, and when I called the fraud specialist team, I was advised at that point that it was not a refund, but a temporary credit. When I tried to explain the only reason I cancelled the investigation was because I was under the impression the credit was because of the refund I was explained that I can no longer be assisted. I asked to speak to a supervisor, and It was explained to me that their supervisor does not take calls. The only recommendation I was given was to call back and speak to someone else, as well as try to get a refund from the original company. When I called the Original company they said the dispute was in fact still active and they will not be issuing me a refund as the bank has reclaimed the funds already.
Product: Debt collection

Ive reached out to XXXX XXXX to get collections and inquiries off my profile that were wrongfully submitted I never consented any allegations thats on my report these are all fraudulent and I want them deleted immediately
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE ALL REPORTING AN INACCURATE LATE PAYMENT ON MY CREDIT PROFILE.