23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have a bank account with Bank of America here in XXXX, NC. I write checks to pay all my bills. A number of times Bank of America has allowed creditors to submit electronic withdrawals from my account without obtaining a cancelled check/check substitute from the payee ( merchant ). In other words they allowed the merchant to convert my check to an electronic transaction without my permission. I have gone to Bank of America and asked them to stop this practice because it can lead to anybody just submitting electronic withdrawals against my account. I do n't know about the withdrawal by electronic transaction until I see my bank statement which is too late for me to stop it. I researched this problem and found that the Federal Reserve issued a new rule called " Check XXXX ''. Check XXXX allows merchants to either return my original paper cancelled check to my bank or a substitute ( such as a picture of the original check ) and data as to when my check cleared. I had a discussion with the manager at my Bank of America location and he promised to contact the merchant. The problem has not been solved. I even called the companies involved. XXXX company, XXXX XXXX XXXX, told me I have to drive to their office ( 45 minutes away ) if I want a cancelled paper copy of my check. Another company, XXXX XXXX ( an account I have had for many years and was never late in payments ) told me I should buy a money order to pay them!! I cancelled my account with XXXX XXXX. XXXX XXXX XXXX, on the other hand, is a service I need. I think these companies are being overly aggressive just to speed up their cash flow thinking that the customer wo n't take the time to complain. I have a debit card from Bank of America that I use for local purchases ( gas, groceries, etc. ) My debit card with Bank of America requires a PIN whenever I use it. On the other hand Bank of America will allow out of town merchants, whom I have paid by check, to put through electronic withdrawals without question. I strenuously object to this-it is a bad banking practice.
Product: Credit card or prepaid card

I am writing to file a complaint against Citibank for their failure to assist me in disputing a purchase, despite providing sufficient evidence that the item was returned and the package was tampered with. 

On XX/XX/23, I purchased a camera from Best Buy. The camera was delivered to the wrong address, and Best Buy refused to take any action to rectify the situation. I was forced to involve local law enforcement to recover the camera. Once I obtained the camera, I immediately took it to a XXXX store to return it to Best Buy. 

On XX/XX/23, the package went missing the same day I dropped it off at the XXXX XXXX. I filed a missing package claim, and XXXX  finally located the package three weeks later. However, the package was returned to Best Buy empty, without the camera. The weight of the package had changed from 4 pounds to less than 1 pound while in XXXX XXXX possession, indicating tampering.

Despite providing proof that I returned the item to Best Buy, the retailer continues to refuse to accept the return or issue a refund. Consequently, I disputed the charge with Citibank, but they are also refusing to assist me in this matter. 

As a result, I am being charged for a camera I no longer possess, while Best Buy retains both the refused package and the funds from XXXX XXXX insurance claim. This situation has caused me significant financial loss and distress.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Citibank for their failure to assist me in resolving this dispute, as required by the Fair Credit Billing Act.

Please find enclosed supporting documentation, including a copy of the purchase receipt, proof of the camera 's return, XXXX XXXX package tracking information, and correspondence with Best Buy and Citibank. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute and Request for Validation of Account : XXXX Dear CFPB, I am writing to formally dispute the account referenced below that is appearing on my credit reports with TransUnion and XXXX. This account is not mine and has been inaccurately reported. Despite disputing this account on multiple occasions, I have yet to receive any communication or validation of this account. I am now requesting your immediate intervention to ensure compliance with the law and that this matter is resolved promptly. 

Disputed Account Information : Account Name : XXXX  Account Number : XXXX Credit Bureaus Involved : TransUnion XXXX XXXX Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Current Status : Closed, Paid Comments : I have not authorized this account to appear on my credit report, and it is not mine. The account should be removed immediately as I have requested validation on several occasions without any resolution. 
This letter serves as my formal demand for validation of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide original documentation, including any signed agreements or contracts showing that I am responsible for this account. If such validation can not be provided, I insist on the immediate removal of the account from my credit reports. 
Furthermore, I assert my rights under the following laws : FCRA Section 611 : My right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( a ) ( 1 ) ( A ) : My right to request information and documentation related to any item of information on my credit report.

FDCPA Section 809 : The obligation for a debt collector to validate the debt upon request. 
As of today, XX/XX/XXXX, I have not received any communication regarding this matter, and the account continues to damage my credit unlawfully. I demand that all inaccurate information be removed from my credit reports immediately. 

Thank you for your immediate attention to this matter. I trust that the CFPB will handle this issue in accordance with the law. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

my debt was paid off in 1976 through a payroll deduction through the XXXX XXXX paymaster. I have been harassed by numerous collection agencies, over the past 40 years. I dont know where they get their information or why this debt collection persists. When I ask them for details of this debt, or to prove to me that I owe the debt, they respond by saying, " prove to us that you do not owe the debt. '' I refer to my XXXX XXXX pay records, and I dont hear from them until they pass the debt to another collection agency. Then is starts all over again
Product: Mortgage

On  X/XX/2017    a complete Loss mitigation package was submitted to the lender - On  XX/XX/2017    the package was denied review due to a sale date being 9 days away. The loan modification package was then sent to the lender again on  X/X/17    - The sale date was postponed until  X/X/17    - again on  X/XX/17    we were advised the package was not received so it was refaxed again for review - We feel that the lender is still refusing to review this clients file and docs being submitted since they were received initially on  X/X/17    and denied due to a sale date - the lender has failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i  ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts appearing on my consumer credit report, which I do not recognize or have any knowledge of : 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 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. Attached to this complaint is a list of the hard inquiries in question, as well as a copy of my consumer credit report maintained by you, which shows the aforementioned fraudulent items. 

I have also attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, XXXX apples for an American express gold card. Which was my first card as far as obtaining with credit. I was uninformed or did n't have the knowledge that this particular card was a charge card and had to be paid within 30 days. Had I known I would have not applied for this card. I assume that you could carry over a balnce and just pay the minimum balance due or a little if able to. Once I receive my first statement and spoke to a representive a month later after making charges that I thought could carry a balance. I then informed that this is a charge card and it could seriously damage my score when it reports my utilization to the credit bureau 's. Unfortunately my job has cut my overtime and I am not working the minimum hours. My gold card limit had decreased a month later which is better for me with a limit now of {$3000.00}. I am unable to pay the previous balance of {$5000.00} and much time is needed and also the monthly installment payments are to high due to the over due balance. I do not want my account closed nor do I want a charge off or my credit suffer because of this misunderstanding. I am trying to work out a resolution without the account being closed. As I stated I ca n't afford the high payments for the gold card that s split into two payments.
Product: Credit reporting or other personal consumer reports

I would like for CFPB to investigate all three of my credit reports, XXXX, XXXX, & XXXX. The account numbers starts with this number XXXX. The balances are for {$2300.00}, {$4100.00}, & {$2500.00}. XXXX XXXX closed the account as a charge off, written off amounts and past due amount, {$2300.00}, & XXXX, & & XXXX, but are still reporting my payment history as of this XX/XX/XXXX as late payments. Also, these accounts has been sold to another company and a lawsuit has been filed with a fradualent affidavit wih the courts. Then, I would like for XXXX and XXXX to update my repeort for XX/XX/XXXX, so that I can retrieve the correct score reporting. I am not able to obtain my score. I will also, be filing with FTC.
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 Account # XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXX XXXX XXXXXXXX Account # 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 customer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was 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. Cash app account
Product: Credit card or prepaid card

Chase promises additional rewards ranging from 1 % -6 % back using " XXXX XXXX '' homepage and " shop through Chase '' feature. However, I think they are not following through with the promised bonus points and are falsely advertising. 

As described through their website : Shop through Chase is a way to earn bonus points when you shop popular online retailers through the XXXX XXXX site. To be eligible for the additional points, you must use your Chase card with XXXX XXXX to pay for your order at the online retailer 's site. First choose the merchant 's " Shop Now '' button to view the merchant 's terms and conditions regarding eligible orders. Then choose the green " Shop at '' button to be directed to the online retailer 's site. 

I followed the steps for 2 separate purchases on different dates and did not receive the bonus points either time. 

XX/XX/2021 XXXX {$820.00} - Promised 1 % additional rewards at that time XX/XX/2021 XXXX MD {$46.00} - Promised 6 % additional rewards at that time. 

I feel falsely coerced with the promise of bonus points to complete the purchases. The " shop through Chase '' feature is undoubtedly benefiting Chase from kickbacks through the merchant, but they are not sending back the rewards they promised the consumer.
Product: Credit reporting or other personal consumer reports

I had received fraudulent emails of Citi strata premiere past due payments on a card and account that I did not setup. I called Citibank in XXXX to freeze and cancel the account to report as fraud. Then I disputed through XXXX XXXX and XXXX. The account was still not taken off my credit report and I called citi bank again in XXXX, redisputed through XXXX, and still the account has not been removed from my account. Citi bank has been difficult to work with and has not provided any updates into the fraud or closed the account.
Product: Checking or savings account

I previously held a capital one 360 checking account, that was closed for overdrAft of $ XXXX. Unbeknownst to me, I had my PPP funding loan deposited into the account despite the account being closed. Now capital one has the funds on hold and hasnt returned them to the lender so that they may be redistributed. I havent gotten no answer or response from capital one to date about returning the funds to the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XX/XX/XXXX, I visited XXXX to view my free credit report. 

After clicking through various pages and inputting what appeared to be required data home address, social security number, debit card number, etc. I saw my credit report. 

On Monday, XX/XX/XXXX, I checked my bank account and saw TransUnion had taken {$21.00} out of my checking account. I called to ask why they did this, and they said I signed up for some monthly service that would bill me {$21.00}. They also explained that while my credit report was free to view, my credit score cost money to view.

At no point while entering my personal information to view my free credit report on www.annualcreditreport.com do I recall consenting to pay TransUnion any amount, never mind signing up for a recurring fee. I told TransUnion to cancel my subscription. 

Later, on Monday, XX/XX/XXXX, after doing a quick search to see if anyone else had encountered this problem, I found dozens of people retelling the exact same scenario on various websites. I called TransUnion again requesting a full refund of my {$21.00} in addition to cancelling my subscription. 

Both times I called TransUnion they agreed to my request and said I'd receive a confirmation email. Thus far, I've received no confirmation emails from TransUnion, and the money has yet to be put back into my account. 

From my perspective, TransUnion is tricking people into paying for a service by following the steps on XXXX. They are willfully conflating the free credit report with the non-free credit score. Again, at no point in time did TransUnion inform me that I was buying something from them while trying to obtain my free credit report. This practice seems outright deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax letting them know to remove all information that does not associate with me.
Product: Debt collection

XX/XX/2017 a collection was placed on my credit for {$3000.00}. XXXX years later the balance went up to {$5400.00} for alleged damages for a 2 bedroom apartment. I was told to vacate the property within 7 days because my police K-9 bit a neighbors dog requiring 1 stitch, which we offered to pay for. However, the resident chose to report it to the front office and the manager notified my family that we would have an eviction on our record if we didnt leave within 7 days. This obviously violated our lease terms with us having to pay for months of rent without residing at the property. The damage estimate was severely inflated as I was a real estate appraiser for 10 years and based on cost to replace a new 2 bedroom would be far less than the collection. The estimate was not realistic and extremely exaggerated. I am a 100 % Total and permanent XXXX Veteran who served XXXX branches of the military and served my community as a XXXX XXXX.
Product: Bank account or service

US Bank is attempting to collect an unreasonable debt consisting of excessive {$25.00} fees they charged to my account even after I requested the account closed. The matter was reported to XXXX and to a collection company.
Product: Debt collection

I was under the impression I had paid this debt. I paid $ XXXX. Haven't heard a word from them in 2 years or gotten any paper work. Apparently, I didn't pay the full amount and there was a remaining balance of about {$1000.00} that I now need to pay. While I understand the need to pay it, I was suprised and am not in a financial position to pay right now. I told them that. They didn't accept it. They now keep calling MY JOB. They've called 3 or 4 times and I told them that was unacceptable to keep calling and asking the receptionist for me. Yet they keep doing it. It's embarrassing that I don't have the money to pay. I know it's against the Fair Debt Collection Practices Act. But I don't think they know, I know that. I've have tried calling before and after work and I get a recording on a loop of a man telling me to call during business hours. I can't even leave a message. And they're not first on my list to tend to when I have an occasional break.
Product: Credit card

I received a call XX/XX/year> from someone supposedly being Chase Bank. The phone number was ( XXXX ) XXXX and was listed from XXXX, TN. I know a lot about XXXX and there is not a Chase Bank there and the phone number they called from is a cell phone number. You could tell they were not from Chase Bank. They were not speaking very formal and they called to tell me that I could get a lower interest rate on my credit card. I do not have an account with Chase Bank. She then transferred me after saying that and I didnt respond to her and a man picked up and said hello two or three times before I hung up. So Im not sure what their intentions or what data they were going to try and get from me.
Product: Debt collection

I have disputed this account with Experian and the original furnisher and this account is unverified, according to Section 609 of the FCRA the company has to provide the proper documentation of this account when investigating the company is to provide you with an original signed contract with my signature. Avant- account number XXXX ... I want them to prove this account is mine please reach out to them for any signature or contracts for me. I need accuracy. Here is a phone number for XXXX XXXX.
Product: Student loan

I can not get ahold of a Mohela representative. There is no way to submit a complaint except by calling. I have called 5 times with hold times over 1 hour every time and unable to reach a representative. I have a job to maintain and can not keep this up. I am calling MOHELA to complain about the 90 day turn around time for the SAVE plan. Initially after applying I was given the timeline of 30 days for review. Three weeks later I received a notice of a turn around time of 90 days. I am being cheated out of Biden 's new SAVE Plan benefits meanwhile Mohela is reaping the benefits and I am forced to pay more than I should have. This is incredibly disorganized and chaotic. In the meantime, my interest is accruing and have already accrued over {$2000.00} since my application was submitted. Mohela is committing a crime. This means it will likely accrue to {$6000.00} of interest by the time Mohela gets around to processing my application, and that is {$6000.00} more that I should not have had to pay under Biden 's new plan.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681a ( 2 ) i ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802b ( 1 ) ( b ) - Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I want my late payments to be updated and removed on my credit report across all 3 Bureaus. Here is the account below XXXXXXXX XXXX  Account number XXXX