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

XX/XX/2021 {$600.00} was charged from a doctor that fraudulently charged my card. He promised to issue a refund but never did. I disputed this charge 5 times with TD bank and they denied it due to telling me to contact the doctor directly. I tried that XXXX times with no response. Found out XXXX was arrested and in jail for this same reason. TD bank still wouldnt help me. Again they stated I need to contact the XXXX. 
They refused to help me several times. 
I just want my refund!
Product: Credit card or prepaid card

I am constrained to file this complaint with your agency regarding my credit card account XXXX, which was opened in XXXX, XXXX, knowing you have a good track record in resolving these types of complaints on behalf of consumers. I am taking this extraordinary step of referring it to your agency, in hopes of getting a favorable resolution because I was unable to do so through the channels established by Capital One. 

As stated earlier, I opened personal Capital One credit card account in XXXX XXXX, and made some purchases on it during that month. Knowing the importance of maintaining a good payment history, I went ahead and made my first payment in XXXX, well in advance of my payment due date of XXXX XXXX, which was returned to my XXXX Bank account ( ending in XXXX XXXX, even after the account had been verified by an agent of Capital One. 

Following that, I made another payment on XXXX XXXX, which was also verified by XXXX Bank for my account ending in XXXX, but it was subsequently returned. Another payment was made on XXXX XXXX using the same account, and that too, was returned and my account closed. During the time that the amount was deducted from my account in XXXX, I attempted to make purchases thinking that since the payment had been deducted from my account, it would have posted to my Capital One account to cover those purchases. Unfortunately, the purchases were declined, and that was eventually ( letter dated XXXX XXXX ) advanced as the reason, along with suspicion of fraud, for which my account was closed. 

After spending hours on the phone with unsympathetic assistants, as you can see for their records and my phone records, which I can produce at your request, I now feel like there is nowhere else to turn but to you, to have this matter resolved because ultimately, the very XXXX bank account which had been flagged for fraud by Capital One, turned out to be the account that the my full payment, plus late fees, was deducted from on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's XXXX XXXX Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the XXXX 's web site. This is also being reported incorrectly to Transunion and XXXX.
Product: Checking or savings account

I opened a new checking account with Upgrade.com ( which is underwritten by XXXX XXXX XXXX, I think ) on XX/XX/year>. I have been actively using the account. For example, I just transferred {$20.00} into the account from XXXX XXXX XXXX. But suddenly, out of the blue, on XX/XX/year>, I received an email from the bank that my account has been suspended. No reason was giving. I requested them to provide a reason for their locking my account. No reply has been received from them so far. 

The kind of randomly suspending/locking accounts is beyond unreasonable.
Product: Credit card

I am writing regarding a rewards credit card. My points earned in XXXX posted the account in XXXX. I had earned {$1200.00} worth of points/gift certificates in the period for the posting date ( 30 days later ) of XXXX XXXX. The points were redeemed for target gift certificates. After redemption, per Citicards agreement Citibank has an additional 30 days to mail the earned points certificates to the client. On XXXX XXXX I received an email from Citicards notifying me that the {$12000.00} worth of gift certificates had shipped. When I contacted them on XXXX after not receiving the gift certificates, I was told by a " supervisor '' that the gift cards were not able to issued by their vendor with no apology and that the points are now being reposted to the account but wo n't be available until XXXX XXXX, and that Citibank/Citicards will ship them 30 days after they are redeemed again. 

As a consumer, there is an agreement. My points take a month to post and then when redeemed the credit card company processor has 30 days to comply. The gift cards should have been sent by the latest date of XXXX/XXXX/15 however the order was unfilled without notice ( other than the email sent showing that they " mailed them '' ) due to Citicards failure to comply with their cardholder agreement. 
I was told by operation XXXX in the Florida XXXX order, Team # XXXX that it was " my fault because I chose not to get cash back and instead chose gift certificates '', which is why Citibank failed to comply with the cardholder agreement. 
I was then told that I would receive a call back 3 days later on Saturday, but it would more likely be Monday regarding this but there was XXXX INTENT upon doing anything or HONORING their cardholder agreement. 
At this point, Citibank 's negligence is shocking and their customer service is deplorable. I signed up for the credit card after being a Citibank customer for 10 years, with the intent to follow the credit card holder agreement but yet Citibank has illegally failed to do so on their part. The rewards gift certificates will not even be received until XXXX XXXX at the earlier because of they wo n't repost to their system until XXXX XXXX and they have 30 days to send them from there. 

In short, Citibank is attempting consumer fraud by their complete disregard for the cardholder agreement and the failure to provide goods as agreed upon.
Product: Payday loan, title loan, or personal loan

I need help getting my my car fix and the repair man advised me to take out a loan. and I only got XXXX now they want me to pay back XXXX .Now it is on my credit report.
Product: Credit card

Purchased {$1200.00} in goods from XXXX stores of XXXX FL and XXXX provided tracking with delivery info but XXXX never delivered the items. Instead said left with neighbor. Problem is two fold 1. I never authorized them to leave with neighbor. I checked with ALL neighbors and no one got the packages. 
2. XXXX can not say with whom ( a person 's name ) or WHERE ( which address ) packages were left!! 
Therefore delivery has to be declared LOST and my {$1200.00} dollars refunded to me. 
There is Insurance on this delivery and merchant REFUSES to help!! Did not even require a signature and the amount is HUGE!!
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$0.00}
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX 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 : {$91.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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 deleted : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Mortgage

The loan was paid off when the property was sold on XX/XX/2019. I logged onto Dovenmuehle 's website to disable automatic payments. When I did, I noticed that the balance was XXXX, and the system said my account wasn't eligible for online payments when clicking on automatic payments. 

Because the system was smart enough to not let me adjust automatic payments on a XXXX balance account, and because it was at XXXX balance, I figured that they wouldn't withdrawal payment. I was wrong. On XX/XX/2019 Dovenmuehle withdrew XXXX from my bank account. 

I called to complain, but they say it takes 2-3 weeks to get that refunded, and they will only mail a check. Of course, I'm between addresses, and close on my new house in a week, so it's causing me some serious problems. 

They don't seem to care, they say my issue is escalated and that's it. Nothing I can do.
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent inquiry off my credit report its hurting my credit to get a home for my family thank you
Product: Checking or savings account

My name is XXXX XXXX I need all my XXXX disputes and wells fargo claims disputes that was was declined to be reopen or reinvestigate or investigate or make into a new dispute again and investigate it or give me a one-time credits for all the disputes that was declined My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI got a copy of my credit report and notice information, such as SSN, address ( s )  and credit account listed on the report that are not mine. Shortly after review the information I contact the XXXX XXXX XXXX and they provided me guidance on how to address the issue. Therefore, I sent a letter to the Equifax indicating that my credit report has someone else 's on my credit report. I mailed the letter on XX/XX/XXXX to inform them of the inaccurate information. I have yet to receive a response regarding the letter or a copy of my credit report from Equifax.
Product: Credit card or prepaid card

In XXXX of 2020 I booked flights to XXXX through a vendor called XXXX using my CapitalOne venture card. Unfortunately in XXXX due to the travel ban on Americans going to the XXXX I begin to look into seeing whether or not I could get refunded for the flights which were due to be in early XXXX. 

After speaking with the merchant and explaining that I would not be allowed on the flight they told me that the XXXX ( XXXX ) would refund me the cost of the ticket. Albeit, when I contacted the airline they told me that XXXX would have to refund me since that is who I ultimately sent my money to. 

After going back and forth with both companies several times I opened a dispute with CapitalOne still back in XXXX. In XXXX I was contacted to provide more information to CapitalOne. Shortly after this time I received an email saying that the flight had been downright canceled anyways, so even if I had been able to go legally there was no flight for me to take. 

So I sent that confirmation to CapitalOne, after trying both merchants again, and I was told I would have a resolution in no more than 30 days. I called back 45 days later after hearing nothing and I was told that I would receive a call back in the next week. After another week went bye, I called CapitalOne on XX/XX/XXXX and I was then told that I would receive a decision by XX/XX/XXXX at the absolute latest. 

Unfortunately this morning ( XX/XX/XXXX ) I called CapitalOne again and I was told that now I will not receive a decision until XX/XX/XXXX. The bank has repeatedly lied to me about the timing of the dispute and seemingly every time I call it is very difficult to get any information out of them which has been very frustrating. 

Additionally, XXXX XXXX company policy says that I should be eligible for a full refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/year> XXXX
Product: Debt collection

Equifax in unwilling to give me a copy of my report although I have been told there is negative information contained therein and I have not requested a copy in well over a year.
Product: Debt collection

Quality Recovery Services in XXXX Ga has placed a debt not validated or owed on my credit report. 
The debt is unsubstantiated and the amount continues to change. First it was over {$2000.00} and within the last 30 days i have received a letter saying it's now {$1000.00} and change. It was not a settlement offer, just a new amount on a alleged debt that has yet to be shown as valid. 
i want them to stop contacting me and to take this off my credit report. They even went after my son and put it on his credit report and put him in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus on XX/XX/XXXX, requesting the removal of unauthorized inquiries I saw on my Credit Report, with complete proof of my Identity. Upon reviewing my updates, incorrect information were reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act section 605b, and continued to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I opened a business checking account on XX/XX/year>. I was asked to fund the account, which I did in addition to enrolling into online banking. At first all was ok, i was able to login from the mobile app. However, when i attempted to login from my office computer, i was locked out. I contacted the rep and spoke to XXXX, who was kind. She informed me that the account was locked out by the " fraud team '' XXXX XXXX XXXX XXXX XXXX XXXX ) for a reason she's unable to provide. She stated that I would have to wait for 48 hours to access which is insane! Currently we are unable to access the account and I am glad that we did not transfer a larger amount. This seems to be a major issue for US Bank per XXXX and other complaints filed with the CFPB. The Executive team really needs to evaluate this " policy and terms '' as it is causing you guys to lose clients.
Product: Bank account or service

I applied for a loan with Chase Bank. I was denied they say based on credit report from XXXX. They stated ( 1 ) serious delinquency ( 2 ) Number of accounts delinquent ( 3 ) Too high revolving or revolving accounts ( 4 ) length of time since accounts delinquent. This is false. # XXXX Public record ago paid. I have no accounts delinquent. I have no high credit balances as XXXX dollars was in my Chase account. Length of time?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with XXXX & Equifax. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX  employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

XX/XX/23 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT For several months now I have requested that XXXX directly report to Equifax that my loans are paid and closed out forever. Equifax continues to report incorrectly, that the balances are unpaid and due in the future.
Product: Credit reporting or other personal consumer reports

We received an alert from XXXX, XXXX, EXPERIAN regarding some accounts in the name of XXXX XXXX & belonging to XXXX XXXX. It appears that XXXX, XXXX, EXPERIAN is in possession of some accounts but has not submitted any proof of the right to claim the legal title. We did not authorize XXXX, XXXX, EXPERIAN to hold the accounts. I need further clarification of your possession and who authorized this without the consent of the Executor Office. Additionally, if you don't have any proof of this, we would like to further connect with you as you have agreed to be our agent and we graciously accept your role and welcome you to do what is in our best interest. I will send over a updated agreement for possession of trust property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.
Product: Vehicle loan or lease

RE : GM Financial report to credit bureau To whom it may concern, Our lease was ending in XXXX of XXXX. During this time, we were all sheltering in place due to COVID-19. Since the car was not being used, we turned the car back to the dealer approximately 1 month prior to the end of the lease. We did however paid off the lease to avoid any credit issue. We asked the dealer while dropping off the car if there was any other fees we needed to pay and we were told no, that everything was ok. The car was in perfect condition and the mileage was under our contracted limit. 

During this time, my spouses salary was decreased to 80 % of her regular salary and my contract work was put on hold indefinitely. Needless to say, we were experiencing financial hardship. 

About 1 or 2 months later, we received an invoice from GM Financial for approximately {$500.00} for lease end. We were experiencing financial hardship so I tried to negotiate the bill by explaining that if we were not experiencing the pandemic and the ramifications that came along with it we would have traded the car in for another BOLT ( EV ) and therefore would not be billed for returning the vehicle. 

I paid half of the bill ( {$250.00} ) and continued to try and negotiate the other half. GM Financial wouldnt hear our plea therefore we eventually paid the balance after a 90 or 120 day delinquency despite the fact that we were experiencing financially instability. 

Fast forward to XXXX, the economy is trying to get back to normal and employees are being asked to come back to the office physically, we needed to again have an additional vehicle. To our surprise, we have a negative on our auto credit report through XXXX bringing our score down to XXXX. This negative report and a low XXXX XXXX score is costing us thousands of dollars more throughout the life of the new lease. 

We have NEVER been late throughout the length of our loans ( GM FINANCIAL, XXXX XXXX and XXXX XXXX ). 

Can anything be done to take off/strike GM Financials negative report? We are responsible and conscientious people. We do not deserve this treatment and punishment. 

Another question is, we have always paid ALL our bills on time including the 2 auto loans ( XXXX and XXXX with XXXX XXXX  ) that remains in our possession to date, why is it that our XXXX XXXX  scores remains in the XXXX? 

Your attention and reply to this message would be greatly appreciate. 

Thank you, XXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

There is an unauthorized charge on my credit card XX/XX/2019 of {$55.00} from XXXX XXXX XXXX XXXX XXXX PA This merchant did not provide any service, a dispute was open in XX/XX/2019 and a credit was applied on my credit card a letter was issued by Citi bank. The amount was then debited again on XX/XX/2019. On XX/XX/2019 a representative from the dispute department stated that they did not understand the nature of the first dispute and there was no documnetation on file from the merchant and did not offer to credit my account back. 

As I mention we did not receive any goods or services including any card holders or family members from the above merchant, Prior to XX/XX/XXXX I was informed by Citi that the dispute was resolved in my favor.