23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/23 I reported an incident of fraud to my bank- Citibank XXXX This incident occurred on XX/XX/23. I was told that I would receive a provisional credit within 2 days, and that an investigation would take place for the next 45 - 90 days. After 2 days, I called back and was told that a provisional credit would be provided within 10 days. At no point was I contacted for additional information. 

XX/XX/23 I received a letter from Citibank saying that they have reviewed their records and verified that my money could not be returned, even though this was a fraudulent transaction, Citibank has the account information for the person who committed the fraud, and I was reassured that an investigation would happen. At no point was I asked for the documentation that I have to prove that this was a fraudulent transaction. 

I desperately need these funds returned in order to continue my business and for an investigation to happen to help prevent this from happening to other people.
Product: Debt collection

These people call, text, and e-mail me constantly. I 'm positive that they call from different numbers as no other places call me. The only time that I 've actually talked to them the guy demanded that I make a payment now.
Product: Debt collection

Account Name : CONTRACT CALLERS INC Original creditor : XXXX XXXX XXXX {$820.00} I was going through Chapter XXXX bankruptcy. This has been resolved through Chapter XXXX bankruptcy. Contract callers have incorrect dates for the account. I have reached out and disrupted this account with all the credit bureaus. 

I have attached supporting documents for your review. Please let me know if you need any additional information on my end. Thank you for your attention.
Product: Credit card or prepaid card

I have two credit card accounts with Bank of America. One is closed and the other is open. I mistakenly made a payment to the closed account. I have been calling for 30 days to request they transfer the {$500.00} payment to the open card. I called my bank XXXX XXXX where the payment was drafted and they credited my account the {$500.00} payment. A few days later Bank of America charged {$500.00} my card. I have documentation that I made a payment on XX/XX/XXXX and it cleared my bank. I made a second payment on XX/XX/XXXX and it cleared my bank. Bank of America has denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report there is unauthorized inquiries on my credit report that I did not authorize. the company name is XXXX XXXX XXXX. this was added to my report this is fraud I never authorized this company to pull my credit
Product: Debt collection

The 3 Credit bureaus do not have my permission to report anything and I have the right to privacy
Product: Credit card

Macy 's withdrew $ XXXX from my Bank account without authorization. While they refunded the money, I want them to refund associated interest for as many days to all impacted cardmembers. 
Also, they debited my credit card on XXXX for {$430.00} ... WHY? First you take a payment on XXXX on a zero balance and then DEBIT my card on XXXX again!! Why should I pay criminals like XXXX and Macy 's for what did not need any payment??? Refund me all such debited amounts back to the card as well as credit my Bank back on any unauthorized, criminal withdrawals. 
Macys and Citi also changed the credit card site SO MUCH that I can not even download my statement or even see my account details properly, they also undid all my autopay so that they could have me go late!!! I had called the customer reps who also could n't be too much help. Shameful, ignorant and simply criminal!
Product: Credit card or prepaid card

the bank of America credit card was opened fraudulent. 
i had made complaint so many times to the company & yet they are not helping me despite knowing the card was opened fraudulent. 

the card has been charged off. 

This application was filed fraudulently & I know the person who is responsible for this. 

I have mentioned everything to the company but yet they have not deleted the report from my credit.
Product: Credit card

RE : Home Depot Credit Card by Citibank. 
Everyone has been covered up with request to convert to paperless statements. What I learned today from Citibank was when you do this you are automatically removed from account alerts. Thus a charge of {$23.00} becomes {$120.00} when the late fees are piled on. Contacting them via phone, I was advised that they would only be able to remove XXXX of the XXXX late charges.No supervisor was able to address my complaint regarding the blindside from this company. I can only surmise that the reason for stopping account alerts was to increase punitive fees and increase income for the bank. I hope that this issue gets to class action status and the crooks will be forced to find another sneaky way to rob their customers.
Product: Checking or savings account

There has been a lot of actions between bank of America and I They are the ones that brought to my attention of online activity being signed in at two different sides of the us I kept telling them after second time I had to go in to prove my identity that I could no longer make it in. I know who was doing it and they kept stealing my wallets and things so I couldn't go back to do anything.its not only crime my former employer committed violating me. I went through my accounts and noticed charges they made. Bank of America said law enforcement could contact their fraud department to pursue action. Law enforcement kept saying bank of America had to contact them and ignored my police reports. and meanwhile my former employer is getting away with fraud and it's on my record they closed my accounts and I owe them and now I cant open a bank account anywhere and did nothing wrong. 
Not to mention I havnt done any activity in that account and the account I had you can't go negative and can't get any information
Product: Money transfer, virtual currency, or money service

I utilised a Bank of America ATM as a non-bank customer. I attempted the withdrawal three times, at which the third time the machine pretended to count cash but did not dispense. 

I filed a dispute with my bank ( XXXX ), to which BOA responded that the atm was dispensed properly. A second level reconsideration was filed to BOA, at which time they upheld the denial. 

Transaction XX/XX/year> Time : XXXX Terminal Id : XXXX {$60.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a new collection appeared on my credit report. No previous contact was made from this collection agency to myself. A dispute was filed with the Credit Bureau, XXXX. Upon researching this account, it appears that the company acquired this account on XX/XX/2024. NO attempts were made to contact me prior to reporting this SIX YEAR OLD account on my credit report. I do not believe this is a valid debt. I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send letters out to Equifax after my fraud alert. After I seen inquiries in my report that was authorized by me. This was on XX/XX/2019. I didnt hear from them after 30 days. I check online to see the status it said completed but the pdf version was not there to view. I called the to see whats going on and they said online was having problem. If that was true why I havent been send a letter in the mail then. I send my letter with a copy of my drivers license and social security number. The person on the phone said they need more proof of identity. They are not trying to do their job. I specifically send the my letter with copy of my identity, how you open the letter and say you didnt receive the copies of my identity when they were together. This is out rages that I got to keep contact then them for her to follow up on investigation that was done past 30 days ago.
Product: Credit card or prepaid card

I filed a dispute for a XXXX charge of XXXX dated XX/XX/XXXX with Capitol One on or around XX/XX/XXXX. My acct was first provided a proper credit to the card for the charges disputed. They sent a questionnaire via mail that I returned promptly. It was supposed to come with a self addressed envelope, but none was provided. Less than a month later I received a biased response towards XXXX as my credit was taken back simply by XXXX saying the hotel was fine when they weren't the the there. XXXX was wanting impossible requests from me as they wanted a second opinion from another business stating how services or products were defective. How can anyone judge a service or product without experiencing it? This would create legal problems for another company. Capitol continues to ask for this thru out the follow up questions. This is heavily biased questioning as they will take XXXX at their word knowing they are not on site and I'm supposed to get a second opinion. A Capitol One customer service agent admitted on the phone today before writing this complaint the second opinion was unnecessary and obviously unobtainable. Correspondence went back and forth between us and Capitol One and they claimed to be communicating with XXXX. Service was already used so I'm not sure why the cancelation was so important, but I provided everything I was given. I provided them a well thought out reasonable explanation with adequate proof to approve my claim. I faxed my last response to Capitol One on XX/XX/XXXX. I had to fax it again as my info from Capitol One did not include an envelope as indicated. Seems like they are trying to make it difficult for a person on XXXX XXXX to file a dispute. I particular think this as when I faxed my info on XX/XX/XXXX it was hardly 24 hrs later that my claim was closed for vague reasons. It also stated my credit was taken back. It's not even signed by anyone. Customer Service at Capitol One seem completely naive to the complaint and can't explain anything.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter i rom an advocacy group helping me du to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 102.142 ( b ( 7 ). I kindly request that you block this information from my credit reps rt within four business days, pursuant to section 605C of th Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and Would like for all listed accounts to be blocked a id deleted company information Transunion. Please delete the following accounts. XXXX bal. {$450.00}, XXXX bal. {$3600.00}. XXXX bal. {$3600.00}, XXXX bal. {$4500.00}, XXXX bal. {$0.00}
Product: Bank account or service

I went to my State Farm Agent to conduct some business. In the time that I was there, I decided to open a bank account. After leaving the agents office I was confident that everything was done and that I was only awaiting a debit card, deposit slips and withdrawals slips. I received information by mail that the account could not be opened. When calling state farm bank, I was told that the account could not be opened in a joint account and asked if I still wanted the account opened. I responded to the young lady that yes I want to open the account, ( I was not aware that a new application was being done ). She informed me that I would need to send them verifying information and I asked her could I email that information to her. She in turn said no that it needed to be faxed. I told her that I would take it to XXXX with me and see if the bank could fax her that information since I did not have access to a fax machine. I DID NOT FAX THAT INFORMATION TO STATE FARM. On XXXX XXXX, 2015 monies were transfered to State Farm bank from my XXXX XXXX XXXX account. I contacted State Farm Bank asking that the monies be put back into my account since I was under the impression that the account was not open. In an effort to have the monies sent back to my account today, I was told that nothing could be done until they receive the address verification. Again I told them that I do not have access to a fax machine and that I could scan and email them the information that they needed. The supervisor in turn got on the line and said that they could not accept it by email and that I could go to a state farm office and have it sent to them. Again I asked how do he propose I get to another agents office when my vehicle does not have any breaks. I also informed them that they were stealing my money and I wanted it back immediately. Question : IF I DID NOT SEND YOU VERIFICATION FOR THE FIRST ACCOUNT, WHY WOULD YOU OPEN A SECOND ACCOUNT?
Product: Checking or savings account

On XX/XX/2022, Pentagon Federal Credit Union debited my XXXX  XXXX checking account twice for {$400.00} causing a negative account balance and a {$250.00} withdrawal from my {$1500.00} overdraft protection service which accumulates at a 14.65 % rate of interest. With checking account transactions pending and a negative balance, I will continue drawing funds from my overdraft protection service until Pentagon Federal Credit Union rectifies the error and credits my checking account with the {$400.00} duplicate debit. The credit union attributed the error to a system flaw and after more than XXXX hours from the time which the duplicate funds debited my account, no resolution has yet taken place. I contacted a credit union customer service representative and the representative, in consultation with management, can not provide me an expected time for a permanent resolution or fix. My family and I live on a very strict financial budget and this has caused a critical emergency due to the lack of funds we need for our daily subsistence. I must now find other financial sources for paying our financial debt which includes the cost of daily meals and vehicle transportation fuel.
Product: Checking or savings account

Chase bank has decided to terminate my account for either no reason or a reason they can not provide. This happened on XX/XX/2022 and they should be closing my account on XX/XX/2022. I have tried figuring out the reason as to why, but they have said that they can not give me the reason. I need to know why they would close my account and find a possible way to prevent this as Ive been with chase for many years. I was never even notified by text, email, or phone. I only figured out why through another family member informing me that their account was being closed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sold a record on XXXX, an online marketplace, with PayPal as the payment processor. The buyer listed his shipping address in NY, United States. However, after completing the sale, I discovered that the buyer had a different address listed on their PayPal account, which was in XXXX. 

I shipped the record to the address provided on XXXX, as this was the address given during the transaction. Tracking information confirms that the item was delivered to the NY address. However, I later realized that PayPals Seller Protection policy only covers shipments sent to the address listed in the PayPal transaction details. This discrepancy in addresses creates a loophole that can be exploited by dishonest buyers. 

I am concerned that the buyer may have deliberately used two different addresses to exploit PayPals policies, potentially enabling him to claim non-receipt of the item and request a refund, even though the item was delivered. This situation leaves me vulnerable to losing both the item and the payment, with no protection from PayPal, despite following the instructions provided on XXXX. 

PayPals strict policy of requiring sellers to ship only to the address listed in the PayPal transaction details, without consideration of legitimate discrepancies, essentially allows buyers to manipulate the system and obtain goods for free. This not only results in significant financial losses for sellers but also undermines trust in online transactions. 

I believe that this loophole in PayPals policy facilitates fraudulent activity and leaves honest sellers unprotected. I am filing this complaint to bring attention to this issue and to seek resolution, as well as to advocate for changes in PayPals policies that would better protect sellers from such exploitation.
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$1000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$4500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3000.00}, Date Opened : XX/XX/XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution progress was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 Experian 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD DATE OPENED XX/XX/XXXX ACCT XXXX {$2800.00} XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX ACCT XXXX {$800.00} These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. In question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2024 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Re : Cease and Desist Communication - Account # XXXX To whom it may concern I am writing to inform you that I dispute the validity of the debt you claim I owe and request that you cease and desist all communication regarding this matter. 

I have received multiple communications from your company, Hunter Warfield , Inc., regarding an alleged debt. However, I have not been provided with any proper verification or validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please consider this letter as a formal request to cease and desist all communication with me, my family, and any third parties regarding this alleged debt. Pursuant to the FDCPA, you are prohibited from continuing any further communication unless you can provide proper verification of the debt. 

Failure to comply with this cease and desist request will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, legal action. 

Please be advised that I am aware of my rights under the FDCPA and will not hesitate to pursue legal remedies if your company continues to engage in any collection activities. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Yamaha about removing 6 late payments. Was told to email their correspondence department and they would remove it. However, the correspondence dept did not respond to my email.