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

On XX/XX/XXXX, CITI CARDS cashed my check ( Check # XXXX ) dated XX/XX/XXXX for {$240.00}. But CITI failed to credit my account and maintained I owed CITI CARDS {$240.00} despite irrefutable, computerized meta-forensic evidence to the contrary, as discovered by my bank, XXXX  XXXX XXXX ( XXXX  ), through its investigation. CITI also penalized me by imposing late fees and interest on the {$240.00}, which eventually ballooned to {$280.00}. I, under duress and from CITI 's bullying, harassing tactics, paid off, under protest, the {$280.00} demanded by CITI. Now, CITI penalized me again by charging an additional {$2.00} interest that arose from CITI 's initial {$240.00} criminal, fraudulant activity. In the meantime, XXXX  conducted an intensive investigation into this matter and found that CITI did in fact commit FRAUD and THEFT against me. I wrote CITI on XX/XX/XXXX a Written Billing Error Notice about XXXX 's conclusions about the case and demanded that CITI correct its XX/XX/XXXX Statement stating I owed CITI {$2.00} penalties/fines. On XX/XX/XXXX, I received from CITI a letter stating this : " We're currently reviewing the information we received, and we'll contact you once we're finished. '' Today, XX/XX/XXXX, I received a XX/XX/XXXX Statement from CITI stating that since I failed to pay the {$2.00} extra in fines/penalties/interest ; Citi is increasing my debt to {$2.00}. According to XXXX, since it found in my favor, I do not have to pay CITI. I see why I need to pay CITI for something based on FRAUD from CITI in the first place. I need the U.S. federal government 's Executive Branch to enforce U.S. law and punish CITI for fraud and theft against me. This is why I'm contacting the CFPB since it's part of the Executive Branch. CITI acts like it owns the federal and state governments -- -does it?
Product: Credit card or prepaid card

On XX/XX/2002, a group of 4 of us had a light lunch at a neighborhood diner in XXXX XXXX. We paid with my Chase sapphire reserve credit card for XXXX euro and change for the meal. When we came back to US in XXXX, I found out that there was an additional {$500.00} Euro charge to the card by the same business at exactly the same time the meal cost was charged. 

I called Chase to report the fraud in XXXX. According the specialist in Chase, this issue is classified as dispute, not fraud in Chase ' definition, because my card was actually at the hand of the people who charged the XXXX Euro at the time that happened, it's just that I did not receive the actual service. They also mailed me a so-called receipt from the party who made the XXXX Euro charge, which as a fake signature that has no any resemblance to my name. 

I repeatedly argued with them that I have no clue the charge, let alone any so-called services related to the charge. But Chase for 3 times declared that they found there was no error for the charge and the transaction was valid. 

And because it's not a fraud in Chase ' term, I could not even talk about fraud protection.
Product: Debt collection

Dear Barclays De Bank ; / Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

I request the immediate deletion of this disputed account from all credit reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may result in further legal action to protect my rights and interests.
Product: Checking or savings account

Account was closed because checks couldnt be verified and money was not deposited into the account of {$980.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance : {$360000.00}.
Product: Mortgage

My mortgage company, SN SERVICING CORP, XXXX XXXX XXXX, XXXX California XXXX, continues to charge me $ XXXX per month for forced place condo ( homeowners ) insurance. I have had my own condo insurance since XX/XX/2022. The condo insurance that I have is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, policy number XXXX. I have mailed in a copy of Evidence of Property Insurance to my lender multiple times, additionally XXXX XXXX XXXX has mailed to my lender multiple copies of the Evidence of Property Insurance statement. I have called my lender numerous times to ask them to stop charging me for the forced place insurance. They will not return my calls. I need to cancel this forced place insurance. I can not afford to pay {$210.00} per month for absolutely nothing. Please help.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XXXX Bank of America withdrew from my checking account {$30000.00} with out my consent to authorization to pay a fraudulent loan that I do not owe or owed. The auto loan in question has been disputed with Bank of America before and I have filed police reports and CFPB complaints. I have currently with BOFA two auto loans and two credit cards and a checking account, but never opened an auto loan in XX/XX/XXXX. Bank of America acted grotesquely by reaching into my account and stealing all of my money. I now have no money to pay my rent, auto loans or XXXX that I have scheduled on XX/XX/XXXX. Bank of America has caused me great harm and has put at risk of being homeless and extreme emotional damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 card or prepaid card

I received a letter dated XXXX XXXX from Discover stating that during a review of my credit situation my credit line was decreased from XXXX to XXXX. The balance on that card was a little over {$7000.00}, the decrease gave me a % 100 utilization on that card. 
I have recently started a XXXX XXXX XXXX and have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year. I am not receiving donations right now because my XXXX status has not been approved, I will not get a result about my IRS application until after XX/XX/2021. I have used my credit cards for the XXXX XXXX bills and my XXXX XXXX XXXX. I have also had to finance a roof this year because the one on the house was leaking. 
I would also like to add that I have had a % 100 on time payment for every single one of my credit cards, have never maxed out any of my cards, and usually pay off large balances. For Discover to have lowered my credit limit, giving me a % 100 utilization on this card, is an intentionally hurtful, unfair business practice designed to perpetuate the problem I am currently experiencing with my credit score which affects insurance rates, interest rates, if I have an emergency and need a loan it will not be approved. This practice needs to be stopped. A credit limit shouldn't be able to be lowered when there has been no history of irresponsible payment practices of the borrower. It should be viewed on an individual basis and then decided on review of specific circumstances. 
I have requested that Discover close this account as I will no longer be doing any business with a company that will intentionally hurt me. I was told that they are still going to be charging me interest. How is that fair? How is any of this fair? This is predatory. Please help me with this.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase at XXXX using my Apple Card in the amount of {$1100.00}. XXXX days later, I received an email stating my package has been delivered. I went to get the package and there was no package. I reviewed security cameras and no delivery courier ever came to my home that day. I immediately phoned the merchant to inform them that the package was not delivered. They advised me to contact XXXX and handle it on my own, stating there was nothing they could do. Upon investigation, XXXX determined the package was lost or stolen in transit. The merchant was notified of this outcome. The shipper, XXXX, has indicated they have informed the merchant of this finding many times as well. I have contacted the merchant several times by phone, chat and email and they have refused to provide the merchandise. 

I filed a dispute with Apple Card for this transaction on XX/XX/XXXX. I was issued a provisional credit in the amount of the disputed charge. XXXX  months later, the dispute was closed under the reason : " The merchant provided sufficient evidence that you made the purchase ''. Im not disputing that I made the purchase, but rather that the merchandise was not provided. 

I have reopened this dispute many times, which are again denied on the same basis. I reinitiated the dispute again 2 days ago. When I reach out to Apple Card customer care, I get a form response stating they will get a supervisor to look into it. I have submitted evidence of the merchant refusing to give me the merchandise or refund. I don't believe there are actual human beings looking into disputes at XXXX XXXX XXXX XXXX XXXX. Each communication seems like a canned response and they do not seem to understand what is going on. I placed the order on XX/XX/XXXX, XXXX months later I still have not received the merchandise. I will not pay for items that I have not received. My last correspondence with the merchant in XX/XX/XXXX indicated that they will ignore my requests to get the merchandise. I have no interest in continuing to beg for the merchandise for which I have paid. I find this unacceptable. XXXX keeps putting this charge back on my card. This is tying up a portion of my credit limit. From my perspective, XXXX XXXX is assisting the merchant by continuing to let them hold my money/property and not giving me the merchandise. All parties involved are jeopardizing my credit. I have spent hours trying to rectify the situation. This has been the worst customer service experience Ive had with any company. Ive attached some screenshots.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and have noticed the creditor XXXX XXXX XXXXXXXX XXXX  has been reporting inaccurate information such as balance owed, date of last payment, date account delinquency etc. Section 607 of the FCRA mandates that information reported to consumer reporting agencies must be accurate and complete. XXXX XXXX XXXXXXXX XXXX  continues to report late payments or fails to update the account status as charged off or written off for profit loss and failing to send a XXXX form. They are violating this requirement by not reporting accurate information. 
Under Section XXXX, XXXX XXXX XXXX XXXX must ensure that the information provided to the credit bureaus is accurate, and if the charge-off status has been reported incorrectly, it is their responsibility to update or correct the report. Furthermore, this account with this creditor is in litigation and has reported to the FTC and law enforcement and XXXX police reports have been filed.
Product: Student loan

XXXX University sent a letter forgiven and canceling my loan yet this is still showing with the lender as me owing the loan, I do n't understand why. I also consolidated my loans and did a income based repayment plan yet every loan shows on my credit report and this is hurting my credit, I have called and asked to have this updated and it has n't been done. I also requested a fax number or some way to send a copy of the letter from the school and I keep getting the run around stating that I still owe the loan
Product: Credit card or prepaid card

I have a bill for {$1300.00} due on XX/XX/2022 for Comenity Capital Bank ( XXXXXXXX XXXX XXXX  credit card ). 
I paid in full on XX/XX/2022. On XX/XX/2022, I noticed that the money was still sitting in my checking account. I called my bank ( where the checking account is ) to see if they ever received the ACH. They told me no. I then called XXXX XXXX who said that there was no issue with the payment, and it was delayed due to XXXX 's XXXX. 
On XX/XX/2022, I logged into my Comenity account where it said that the payment was returned/cancelled on XX/XX/XXXX. Comenity gave me no notice and no explanation why. 

I have scheduled another payment for XX/XX/2022, but I suspect that Comenity will find more reasons to delay, cancel, or somehow interfere with the payment going through. This will give them the opportunity to charge interest and late fees. I have never been late on a payment in my life. I wish Comenity would accept my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several inaccuracies on my credit report with Equifax over the past year at least with little to no cooperation from Equifax. The most recent of which was signed for and received by Equifax on XX/XX/2021. That letter requested that Equifax either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Equifax to either properly verify or remove these items, as of today, Equifax is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Equifax responds with a slight change and verified as the result. 

This willful neglect for the law by Equifax has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Equifax for their blatant refusal to delete information that they are reporting that can not be verified properly by Equifax. 

I want these negative items removed immediately as I have given Equifax more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report I noticed that Equifax, XXXX, and XXXX have been acting in a trustee capacity without my consent. They have been furnishing my personal information with regards to my child on their credit reports which is a violation of my right to privacy. The file is named XXXX XXXX XXXX, the furnishing of this information is unfair to me because it was never verified by me or requested to be placed on my consumer report. They have failed to exercise any investigation and have instead contributed information to tarnish my reputation. 

I would like to know what reasonable procedures where used to ensure fairness and authenticity in this reporting. 

In addition, equifax has allowed for my information to be shared with various companies without my consent or consideration, a few being : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, all location information I wish not to be furnished on my consumer reports. 

I would have to demansd that all items mentioned be removed and reporting be done in a lawful manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Product: Money transfer, virtual currency, or money service

Navy Federal sent me the following message regarding a check that was issued to me and presented via my mobile app for payment : We're delaying {$2300.00} of your total deposit of {$2500.00} into your account ending in XXXX, received on XX/XX/2023. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. 

We understand this may be an inconvenience and are sorry for the delay. Please know, the security of your account is our top priority. 
If you have any questions, please call us toll-free anytime at XXXX. You can also send us a secure message through online banking at XXXX, or write to us at : Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX The problem with this is that, no such information exists and this his a outright lie that they have told me. The check literally has a phone number to verify its authenticity to which I called and got a tracking number for the Check. 

Why are they allowed to say inaccurate things without merit and withhold payment yet collect interest at the same time? While the customer is being lead to believe they have real information that is preventing them from cashing the check? 

I have a 5 day hold on my check for no valid reason based on a lie being told by security which doesnt have anyway to be reached or communicated to in anyway and no recourse to dispute or have such information challenged and or corrected or removed.
Product: Debt collection

Disputed debt multiple times through creditors, was informed the debt is supposed to be valid. XX/XX/XXXX received a notice from Midland stating what was owed. XX/XX/XXXX9 sent a letter and $XXXX fee to Midland requesting all information on the account, including the original contract. XX/XX/XXXX received a response from Midland, no information or contact was sent and the $XXXX fee for the information was not returned and was applied to the debt.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/XXXX  XXXX ( 17 accounts ) 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report contain any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish my consumer report without my written consent.

15 USC 1681s-2 ( a ) ( 1 ) ) states 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.