23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have filed a transaction dispute with CitiBank for the case where I returned the item to the merchant and the merchant did not refund the money back to my credit card. 
Citi Reference Number : XXXX for the dispute XXXX I opened with XXXX vendor in XX/XX/2023 for the amount of {$3900.00} despite. 

I have provided all required documentation to CitiBank that the device was returned within the return period in compliance with return policy. CitiBank did not even attempt to resolve the dispute and just informed me that the merchant is not willing to credit back the money to my credit card. CitiBank did not protect my rights as the client, disregarded all submitted proof and did not hold the merchant accountable for dishonest and fraudulent behavior!!!! It seems that no one at CitiBank even went through the documentation and relied on the merchant unwillingness to refund the money back, which is illegal as per the terms and conditions of the credit card! I request CitiBank to hold the merchant accountable and debit the full amount back to my credit card, which the bank should comply with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed any payments on the following account XXXX.XXXX.XXXX. XXXX XXXX. Please investigate to ensure the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed this false report. 

XXXX need to remove XXXX XXXX. I have had no service to that would account for {$4600.00} bill. Its a XXXX service. what could possible cost {$4600.00}? 

It is a false and fraud claim. Please remove it ASAP.
Product: Debt collection

On a recent review of my credit report, I discovered your company Portfolio Recovery reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. 

They must produce also produce the above or delete or entry from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit card or prepaid card

My husband and I were moving from one city to another and we decided to stop at Walmart to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months three credit cards were opened using our information. 

A TJMaxx card was opened using my information, I discovered that in XX/XX/2020. Since that moment I have been trying to remove this card from my report and has been impossible.
Product: Payday loan, title loan, personal loan, or advance loan

Believe this is Illegal loan in State of Ga. Lender is not listed in XXXX . Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Product: Mortgage

Hi, my name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX, New Jersey XXXX. I have a mortgage with Wells Fargo Home Mortgage and I am trying to receive a loan modification on my mortgage. Wells Fargo is violating the law by not modifying my mortgage and I submitted twice for modification and they have refused like they continue doing with majority of people. They have my property schedule on XXXX XXXX, 2016 for Sheriff Foreclosure Sale. I need your help in this matter and thank you for your cooperation.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a complaint against Apple and Goldman Sachs regarding their handling of a fraudulent Apple Card account that was opened in my name without my authorization. 

Timeline of Events : XX/XX/year> : I first informed Apple of the fraudulent account. I was advised to wait for an investigation and submitted the necessary proof. 
30 Days Later : After waiting the requested 30 days, I contacted Apple for an update. They informed me that they needed more time to investigate.

Impact on Credit : I expressed my concern about the negative impact on my credit score and that it had been sent to collections and requested a resolution. Apple then advised me to settle the account, assuring me that they would request its removal once the investigation confirmed it was fraudulent. 
XX/XX/year> : Acting on Apples guidance, I made a payment of {$1000.00} to settle the account. 
XX/XX/year> : I received a letter from Apple confirming that the account was indeed fraudulent. They assured me that they would refund my payment and remove the account from all credit bureaus. 
Ongoing Issues and Apples Failure to Act : Despite Apples assurances, the following issues remain unresolved : No Refund Issued I have not received my {$1000.00} refund, despite repeated follow-ups. 
Account Still Impacting My Credit The fraudulent account continues to appear on my credit report, despite assurances from Apple that it would be removed. 
Unjustified Delays and Lack of Accountability Over the past year, I have invested significant time and effort contacting Apple, providing documentation, and following up. Each time, I was given vague timelines that were not met, causing me undue stress and frustration. 
Emotional and Financial Harm The unresolved case has negatively affected my creditworthiness, causing me financial strain and emotional distress. 
Resolution Sought : Immediate refund of {$1000.00} as promised. 
Compensation of {$5000.00} for the distress, time, and effort involved in resolving this issue. 
Confirmation that all negative marks related to this fraudulent account have been removed from my credit report. 
Apple and Goldman Sachs have demonstrated gross negligence and a lack of urgency in addressing this matter, causing unnecessary hardship. I am requesting the CFPBs intervention to ensure that Apple fulfills its obligations and resolves this situation promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The net credit company is charging 35 % interest and called to make partial payments in the pandemic, they are not considering the partial payments and they are constantly charging my account without my knowledge, ... .they charge my card 4 to 5 times..partially in the same month and saying this is the meaning of the partial payment ... ..35 % interest rate is too high lending limit ... ... i am unable to make my monthly paymnet, i need a hardship to waive my monthly paymnets for months atleast ... they are harassing me by directly charging to my bank account ...
Product: Credit reporting or other personal consumer reports

I had loans on my account that were incorrectly attributed to my name from XXXX and appeared on the TransUnion credit report. On XXXX XX/XX/XXXX, I exchanged emails with XXXX regarding these loans, totaling over {$100000.00}. Finally, after speaking with an agent there, they confirmed that those loans should not be on my account and would be adjusted accordingly. By Christmas time that year, I noticed that my TransUnion report still had the XXXX loans on file while XXXX and XXXX were both up to date. I opened a dispute with TransUnion on XXXX XX/XX/XXXX and about half of the loans were taken off. However, there was still {$57000.00} on my credit report from XXXX. I called XXXX to see if there was a mistake and XXXX confirmed that no account or money was attributed to my name. I opened another dispute with TransUnion on XXXX XX/XX/XXXX and the results came back on XXXX XX/XX/XXXX the same as the previous dispute except now my credit score dropped over 100 points. I have called several times and they refuse to take responsibility for their incompetence. Please help.
Product: Debt collection

To whom it may concern : I am writing to dispute the debt you claim I owe you. I have never signed any contract with your organization or purchased any goods or services from you. Therefore, I need clarification as to why you are attempting to collect a debt from me that I do not owe. As far as I know, I have no outstanding debts with your company. Furthermore, I have not received any bills or notices of overdue payments from you. Therefore, this is a mistaken identity or a fraudulent attempt to collect money from me. I request you provide proof of the alleged debt, including the original contract, invoices, and other supporting documentation. It is my right as a consumer to receive this information, and I will not be making any payments until I have reviewed and verified the debt 's validity. I appreciate your attention to this matter and expect a prompt response from your company. 

Sincerely, XXXX XXXX
Product: Credit card

New Information Obtained for Follow-up to Complaint XXXX Please see the information disclosed by their system-generated email received XX/XX/year>, that is quoted in part below and attached. In light of this new information sent via email, all attempts at notice to me were not successfully provided as Discover had previously stated. If I had been made aware of their account inactivity notices I would not have allowed the account to sit unused. As I previously stated, I had signed into my online and mobile account multiple times between the date they stated they sent printed notices via USPS and this past month. I did not receive those, and I did not see any notification of any secure messages that would include these notices of inactivity. The reason why that was the case is now clear and demonstrates that my complaints to them were not without merit. 

" We recently learned that notification emails regarding the availability of documents in the XXXX XXXX XXXX were not delivered. As a result, you may not have received one or more notices that documents were available, including a notice regarding the availability of your privacy statement. Please be advised that this did not impact the delivery of your document ( s ) to your XXXX XXXX XXXX or the indication that you have a message waiting. "
Product: Mortgage

FCI purchased my mortgage from XXXX in XXXX. After the company FCI took over, they added {$30000.00} to what I owed on the house. FCI awarded themselves {$30000.00} by adding it to my mortgage, this was illegal. After FCI purchased my mortgage from XXXX and added {$30000.00}, I had to file for XXXXXXXX XXXX  bankruptcy to save my home. When I filed XXXX XXXX in XXXX, the escrow payment was included in bankruptcy payment. FCI decided to stop paying the escrows ( taxes and insurance ) and sold the mortgage back to XXXX. In XXXX of XXXX, XXXX stated they had to raise my Mortgage payment by {$800.00} because of escrow shortage. FCI never told my attorney, my trustee or myself they will stop paying escrow. The Trustee is suppose to know FCI stopped escrow, including my attorney and myself. The payment was with escrow when I started XXXX XXXX payments with escrow, that was the bargain between XXXXXXXX XXXX and mortgage company. If you notice, FCI and XXXX has been tossing each other my mortgage back and forth to raise the monies I owe on my home, breaking many lending practices. I would like to see the {$30000.00} of what I owe and escrow shortage to be corrected. THIS IS FRAUD!
Product: Credit reporting or other personal consumer reports

There are inaccurate personal names on my credit report in which I am unfamiliar with. There is also an inquiry that I did not consent to or authorize. Please block and delete the following inaccurate credit information from my credit report. 

Unauthorized Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccurate Names : XXXX XXXX, XXXX XXXX, XXXX XXXX My registered government name in which I utilize credit in commerce is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX | DOB : XX/XX/1967 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. These accounts do not have any contact information payment history, this is inaccurate reporting therefor unverifiable and must be deleted from my credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Collection acc.  XXXX Unverified Account Collection acc. XXXX Unverified Account XXXX Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Mortgage

My mortgage company has failed to make appropriate payments to my insurance company even though payments are made on time and homeowners insurance information has been provided. I provided payment information as requested. The homeowners insurance company resubmitted a bill. I called and uploaded a bill telling them the homeowners insurance company would cancel if they didnt receive payment by XX/XX/XXXX. They told me to expedite upload documents to their website and it would be handled right away. Payment was never sent and now my insurance is cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned 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
Product: Credit card or prepaid card

My XXXX account was hacked in XXXX of XXXX  and because my XXXX XXXX was tied to my XXXX payment source ( XXXX ), those who hacked it were able to charge almost {$2000.00} in fraudent XXXX trips and XXXX XXXX  ( which I have never used ) deliveries. I first reported the fraud when I received my XXXX statement. I reported it again in XXXX when more of the fraudent charges posted. In each instance, the representatives of XXXX Barclay 's told me I had to pay the entire balance, even the charges reported as fraud, or my credit rating would suffer. My XXXX  XXXX XXXX XXXX was also tied to XXXX and was used, but unlike XXXX, they informed me I did not have to pay the disputed amount. I have made a total 22 calls to XXXX since XXXX and spoken to multiple staff and had to report the fraud a total of 11 times ( since those who took the claims evidently did not know how to take the reports ). I am now on the 22nd call with a supervisor, who is looking at notes from another supervisor with whom I spoke on XX/XX/XXXX, and the notes stated I would receive a credit for the fraudlent amount. And that did not happen. This supervisor 's name whom I spoke with today is XXXX, Operator ID XXXX and the Case # is XXXX. She was very helpful but time will tell if there is follow up behind the promise to resolve this case that has been ongoing through no fault of my own, since XX/XX/2022.
Product: Checking or savings account

I have a business checking account with Chase Bank. Everyday, there will be revenue coming in and payment going out on the account. And always banks subtract payments and then later credit my fund from revenue from my credit card processing. 
So there is a problem, when my bank balance runs low. The payments that come in first will use up the balance. And every single transaction after that and before the revenue comes in, {$34.00} fee will be charge on each transaction. And I knew my revenue will cover the payments.They are often not big expenses, but few dollars or few cents. For example, my credit card processing company charge processing fee on daily bases. So, a XXXX cents processing fee overdraft will cost me {$34.00} for the bank to pay for me. Even though I know my revenue which will come in short after will have cover all that. 
Last month, the month of XX/XX/XXXX, more than {$500.00} fee was charged on my account. And almost every month there are XXXX-XXXX fee on overdraft fee. 
I called Chase customer service, they say they ca n't refund. I visited the branch located in XXXX XXXX XXXXXXXX. at XXXX California. They said they could not do anything and explained the reason as fees charged for the month and show up and individual charges. 
I tried to opt out the overdraft protection feature. But Chase still charges overdraft fee for all the scheduled payment like the credit card processing fee I mentioned above. So there is no way to avoid this situation.