23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with Bilt, which allows me to pay for rental checks with the Bilt credit card. I have automatic payments on to have Bilt send my landlord a monthly rental check, and I pay off my credit card every month. For rent for the month of XXXX, Bilt sent my landlord my usual monthly rental check on XX/XX/XXXX via autopay, which I have set up. On XX/XX/XXXX, I received an email saying that my landlord had not cashed the check yet and I was given the option to cancel the check. I canceled the check via the Bilt app that same day on XX/XX/XXXX, and got a confirmation email saying my payment was canceled and that there is no action required on my part. Bilt refunded me the amount I paid for rent. Then on XX/XX/XXXX, Bilt emailed me saying that my landlord cashed the check and that the payment was not in fact cancelled. I reached out to Bilt customer support on the same day seeking clarification and explaining that my check was confirmed canceled, so I should not be charged. Bilt still charged me and reinstated the rental charge, saying that their cancellation did not go through before the landlord cashed the check on XX/XX/XXXX. The XX/XX/XXXX email from Bilt confirming cancellation of my check was a lie and their practices are deceptive and unfair. I should not be charged for a rental check that I canceled and that Bilt confirmed in writing was canceled. I am in active dispute with my landlord and I relied on Bilt 's confirmation that my check was canceled. Please find attached ( i ) the email from Bilt telling me my check had not been cashed and giving me the option to cancel payment, ( ii ) the email from Bilt confirming cancellation of the check/payment, ( iii ) the email from Bilt telling me payment was not actually canceled and that I will be charged again, XXXX XXXX XXXX XXXX XXXX XXXX transaction history, showing the charge for the {$3100.00} rent check on XX/XX/XXXX, the refund of the {$3100.00} on XX/XX/XXXX, and then the recharge of the amount on XX/XX/XXXX, and ( v ) correspondence with Bilt regarding this matter.
Product: Checking or savings account

Key Bank said that they can not transfer the money to the correct account, because XXXX has to file a dispute first
Product: Checking or savings account

Navy federal credit union, took out XXXX dollars out of my checking account after I found a discrepancy in a dispute on XX/XX/2020 I filed a dispute on some transactions and the rep on the phone I found out later on that this person disputed the same transaction that navy federal credit union already resolved it was a transaction of XXXX that was charged by XXXX  fraudulently, this morning I found that my account was charged for an amount of XXXX dollars that I didnt even know that in my account, it put my account in the negative, I had called several people about this issue and know body wanted to help, several people couldnt even keep their story straight over the phone and basically I was being accused and called a liar, I treated badly and disrespected by a supervisor and a manager name XXXX, Im filing this complaint to have this fixed or ill take my business else where. Im not going of tolerate being called a liar when I know what happen to me, my account was charged illegally because someone disputed the same charge after navy federal credit union already resolved I want to speak to executive relations of navy federal credit union, I dont appreciate and Im tired of being treated badly by this credit union I also turn this over to the better business bureau for help, I got hung up on, and told wrong information, I want this resolved and my account credit back, I  did not see any thing of XXXX dollars ever credited to my account, please resolve this matter and reach out to me I want the executive customer relations to reach out before I close my accounts with navy federal credit union.
Product: Checking or savings account

Wells Fargo in 2016 charged me so many bounce check fees and gave my money to outside sources causing me to fall behind and mess up my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have XXXX, Transunion and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX balanced {$1700.00} XXXX - XX/XX/year>
Product: Checking or savings account

I made a dispute with Chime Several of them actually as someone skimmed my card last year, ( XXXX and XXXX ) I got the Card replaced and all So Basically the Charges were like this XXXX -> This has not been refunded ( Ticket with Chime : XXXX then a second ticket was issued, I forget the name, for a series of XXXX " little '' ( XXXX XXXX XXXX total ) XXXX XXXX XXXX XXXX XXXX etc ( Fictitious because I cant remember, but all after the ORIGINAL problem of Every Small Charge that was charged over several days, was put into one dispute, and the big one was put into one dispute. The LARGER dispute was first. The smaller disputes were challenged and refunded to my account via the no liability clauses However Chime has not, and continues to not refund the XXXX and change My problem is this was XXXX of Last year, Every time I call them there's no way to reach the boss, or anything of their " Escalation and dispute department '' They keep saying they'll escalate it, and contact me within XXXX business days, I never get an email/phone call ANYTHING. 

I just wanted my money back, but mostly count it as a lost cause, just want to know what you all think?
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as Barclays Bank. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Product: Debt collection

Below is the Debt Validation Letter I sent to Portfolio Recovery Associates , LLC. They have not responded with the necessary documentation, and I am still being pursued for this debt. Please review the contents of the letter for the specific documentation I requested from the collector. 




Re : Request for Debt Validation To Whom It May Concern, I am writing regarding the account listed above, which you claim I owe. I dispute the validity of this debt and request that you provide me with the following information as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : Proof that you are legally entitled to collect this debt, including a copy of the original agreement or contract signed by me.

Verification of the full amount of the debt, including any interest, fees, or other charges that have been added. 
A copy of the purchase agreement or assignment of the debt, which clearly shows the transfer of the debt from the original creditor to your company, along with the full chain of custody of this account. 
A full payment history for the debt, showing the amount that was originally owed, any payments made, and any charges added since the debt was incurred. 
Under the FCRA, you are required to provide accurate information to credit reporting agencies. Therefore, until you can provide the requested documentation, including the purchase agreement, I request that you cease all collection activities and remove any reference to this account from my credit report. 

Please consider this a formal request under the FDCPA and FCRA and respond within the required 30 days. I look forward to your prompt response to this matter. 
Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS TO MY FCRA ALSO VIOLATIONS TO MY XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ttey claim I owe credit card debt from over XXXX  years ago to the now defunct XXXX XXXX They have threatened, lied, name called and used profane language. They have called at XXXXXXXX XXXX XXXX XXXX and claimed the filed a UCC in the state of Rhode Island against a supposed debt that as already reached the statute of limitations. I found that they did not file a UCC against an unsecured XXXX year old debt. 
They are also calling related people in the area with the same last name including the ex wife of my ex husband. They NEVER leave a message and most of the calls are from spoofed numbers. 
Portfolio Recovery should be closed down due to their illegal debt collection practices.
Product: Checking or savings account

We have been Chase banking customers for about 35 years. We have both checking and savings withthem. We moved from our long-time place of residence in XXXX XXXX , XXXX, to XXXX XXXX in early 2021.We maintained our Chase accounts ( which we handle almost exclusively online ), despite there being no local Chase branches where we live ( the nearest branch office is in XXXX, XXXX  ) . We recently had need of either a cashiers check or money order ( s ) totaling {$2700.00}. Since there is no branch close by, we utilized a XXXX XXXX locally, to get three money orders ( max MO amount is {$1000.00} ). The XXXX XXXX  used my ( XXXX ) debit card to withdraw the money ( which was in our checking account ) in order to purchase the money orders. In addition, a {$6.00} money order fee was withdrawn separately. Chase bank charged us a 3 % " cash advance '' fee on this withdrawal ( about {$83.00} ), which we are disputing. I have communicated both by phone call, and by secure message, with Chase customer service, and been told that this " cash advance '' fee is policy and can not be reversed out. However, per the Chase website : " A cash advance is a loan offered by your credit card issuer. When you take out acash advance, you're borrowing money against your card 's line of credit. You must repay this loan and the amount you transfer can not exceed the current balance available on your credit card. The amount that is transferred is then added to your credit card balance. '' We are maintaining that this was in no way a " cash advance '' on any credit card, the money was in our account, we withdrew it, and Chase did not " loan '' us anything, but Chase has refused to refund the fee.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXXy Bank of America Credit Card ending in XXXX was used at a number of websites without my permission. I had the card in my possession, and it appears that all the charges were for online merchants. 

On XX/XX/XXXX, I notified Bank of America of all the disputed charges and they issued me a new card and credited the disputed amounts. 

On XX/XX/XXXX, Bank of America notified me that they were reinstating one of the charges because I had a history of making purchases at the merchant. The merchant is XXXX. 

The charge in question was {$630.00}. Although like 220 million other Americans each month, I do purchase quite a bit through the retailer, I DID NOT make that purchase. I offered to show Bank of America my entire purchase history from the merchant and they declined.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

XX/XX/year> : We used XXXX XXXX XXXX hotel for photography services ( XXXX ) costing $ XXXX which is XXXX XXXX XXXX. However, the front desk charged us {$6600.00} USD. 
XX/XX/year> : We informed the hotel but since 24 hours were passed, they asked us to dispute with credit card support. 
XX/XX/year> : I work with XXXXXXXX XXXX and open a dispute case : XXXX for {$6200.00} because I owed {$400.00} USD for photo services i.e. $ XXXX $ XXXX XX/XX/year> : Provided images of receipts and all documents XX/XX/year> : Emailed apple credit card support to provide an update, no response. 
XX/XX/year> : Paid {$400.00} from $ XXXX during my XX/XX/year> auto payment. 
XX/XX/year> : Emailed apple credit card support to provide an update, no response. 
XX/XX/year> : Dispute closed siding with vendor charged correct amount. 
XX/XX/year> : Called XXXX XXXX  and initiated another dispute case XXXX to verify transaction properly XX/XX/year> : Provided receipt images via email and all supporting documents XX/XX/year> : Dispute closed siding with vendor charged correct amount. 
XX/XX/year> : Called XXXX XXXX and initiated another dispute case XXXX but this time apple credit card support team messed up and opened dispute for {$400.00} instead of {$6200.00} For next 30 days, I carried balance of {$6200.00} on my credit card and my FICO and credit score dropped Called XXXX XXXX multiple times but they didn't respond to the case. 
XX/XX/year> : Called XXXX XXXX and initiated another dispute case XXXX and this time again XXXXXXXX XXXX messed up and opened dispute for {$400.00} XX/XX/year> : Autopayment paid {$6200.00} amount that was in month 's balance and the team failed to provide provisional credit in time. 
XX/XX/year> : XXXXXXXX XXXXt team reverses the provisional adjustment of {$400.00} dispute as it was a mistake, however, they add this to my credit card balance, which was already paid in XX/XX/year> ( XX/XX/year> ). 
XX/XX/year> : Called XXXXXXXX XXXX XXXX and worked with manager to open two new cases XXXX, XXXX to get this issue resolved. Team mentioned, I'll get email of the tickets but there's no communication, email or call regarding the above case. 

Currently, I have paid : $ XXXX $ XXXX {$6600.00} and carrying balance of {$400.00} which will be auto-paid on XX/XX/year> i.e. {$7000.00} Apple credit card team has taken my savings and more than 6 months of time in resolving this case which is no-brainer. I have lost my savings and credit score and the team has not responded at all on this dispute.
Product: Debt collection

Transworld systems is a debt collecting agency that was used to collect a debt I have already paid. I owed a specific amount to  XXXX    XXXX   for an over draft in my bank account that I was unaware of. I was never contacted or sent any information on this by the bank or the debt collector. I walked into the bank one day found out about the over charge and paid it in full. I was told the rest would be taken care if by the  Branch Manager  and it would n't even show up on my credit because I had paid the debt in full. It 's been two years, I 've contacted the bank who tells me to contact the debt collector and then they tell me that I have to pay the owed amount they have reported and then contact the bank. This has been affecting my credit for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Previously I filed a fraud report with XXXX and CFPB concerning fraudulence on my credit reporting, complaint number XXXX, and XXXX. The company is Wayfair through Citi Bank ( CBNA ). I was not given information on who the card/account holder is, the card number they ( CBNA ) provided was not correct. Further more upon my own investigation into the matter I believe this is fraud of a family member fraudulently using my information. The bank and company have been negligent in this matter with no true justice nor real solutions in the matter. I will seek legal assistance in this matter as it is more than and beyond egregious to report fraud just for a company to be incompetent and negligent which is negatively impacting my credit report amongst other things.
Product: Student loan

Discover Student Loans charged off my student loan in XXXX of XXXX. Due to a chapter XXXX bankruptcy, they were unable to collect on the account.Upon dismissal of my bankruptcy case, Discover harrassed myself and family members several times per day to collect on the account. 

I sent in payment in full on XX/XX/XXXX in the amount of {$6100.00}. Discover cashed the check on XX/XX/XXXX but failed to apply the payment to my account and claims they have no knowledge of the payment. 

In response, I submitted the copy of the check to Discover as proof of payment. Discover continues to fail to acknowledge proof of payment and the balance remains outstanding and a negative mark on my credit report.