23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing to complain abou t Citi ca rds dispute process as they do not investigate and just side with the merchant. I have had several issues rejected and, despite offering protection from faulty goods or services, they run you around in a circle to try to get you to forget the claim. If you do n't, they side with merchant without so much as weighing the facts. In  XXXX , I disputed a change from  Home Depot  when they improperly installed a water filter. Sure enough, after months and repeated requests for information they sided with the merchant. In   XXXX  , I reversed a charge from  XXXX  after the window tinting offer I purchased would have ended up costing twice as much as the advertised price. Again, run around and siding with the merchant. They wanted ridiculous proof like another merchant to take a look at the tinting, which was impossible since I never fulfilled the service as it was a bait and switch scam. Finally, when the claim damage during our move by  XXXX  was denied because the moving company said things break during moves, i wanted a refund for the extra insurance I purchased.  Citi ju st reversed the reversed charge without asking any details, contacting me or any other due diligence. Clearly, their protection is completely useless and I 'm closing my accounts but I want them to stand by their promise to protect card holders.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i was contacted by a XXXX acquaintance. this debt collector found correspondence between him and i on XXXX and they called his personal phone number to ask for information about me. he contacted me with concern. when i called this number back i told them they could not call people i barely know through social media to contact me. i was yelled at, and told " you WILL listen to me '' which upset me so badly i screamed at the woman on the phone and hung up on her. it is one thing to call family members. but to call people who barely know me is unacceptable
Product: Debt collection

I have never been contacted by this company and they appear on my credit report with me being able to dispute the debt.
Product: Checking or savings account

On XX/XX/year> - My son ( XXXX XXXX XXXX and my ( XXXX XXXX ) checking account was emptied to pay for a fraud claim that happened to my daughter XXXX XXXX account. I opened up both accounts for them when they were teens so I am listed on bot accounts. XXXX reported the fraud immediately. The bank is now saying that the money that was in XXXX XXXX 's account was taken because it had my name on the account. They are refusing to give my son his money back and they took all of XXXX 's money out of her accounts even though she was a victim of fraud. Bank of America has victimized my family for being a victim of fraud and this truly should be unlawful. This has truly been a tramatic nightmare for all of us and I don't understand how a financial institution can victimize customers that has been a client of theirs for over a decade. I truly need some help from someone because I am at my wits end. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XX/XX/XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

PayPal has had XXXX of my money on hold since 2021. What was only supposed to be a 180 day hold to make sure no charge backs come turned into years. This is my hard earned money and no representative can tell me anything. And whenever the hold time is up they place another one and continue to give me the run around. PayPal has been doing this to consumers for years and it needs toThe email they are supposed to be sending when the funds become available. I keep telling them that I need to be able to switch my email on the account as it has been almost XXXX  years and I dont have access to that email or phone number anymore. 
They have been so terrible and unwilling to help me. 
This has caused me so much mental distress dealing with them. I have fell into XXXX and all. Because I cant understand how they feel holding all of this money just to make interest off of it or reinvest it, or whatever they are doing is just or ethical. I am at a lost and I am over this and just want my money finally. 
Below in the tracking numbers is XXXX reference numbers I managed to find. But there have been so many over the course of these XXXX years. At this point they need to be investigated and cooperate! And they need to be forced to give me my money. It has been well over 180 days! Obviously if anything was going to charge back and happen with the money it would have been happened by now. I dont want them to just keep putting holds after the last ones are up. This is still for almost XXXX years causing me so much mental strain.
Product: Credit card or prepaid card

Tried to make a payment on the website, but it was refused, saying it wasn't enough. My card has been charged off since then. My payment tripled. I had autopay. My card has also been stolen, so I do not know the credit card number
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease account at The XXXX opened on XX/XX/year> thats now under the account XXXX XXXX XXXX for the amount of {$710.00}. The hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX listed on my credit report need to be removed. Additionally, the addresses XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXTX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX TX XXXX do not belong to me and need to be removed. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 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, credit repair services, or other personal consumer reports

I have tried to call Equifax for the past month in order to unfreeze my credit score. I'm currently in the process of trying to buy a house and am about to lose said house because they will not release my score. I have sent them all the information they require in order to make this happen and each time they have lost it. I verified the fax number with them every time I called ( I have the correct number each time ) and still they have yet to receive my paperwork. I am 3 days away from losing the contract on my very first home because they refuse to help me and give me false information. I have cried and I have begged for any kind of work around in order to make this process go faster so I will not lose my house, but I am met with the same scripted telephone calls each time. They have said there is a problem with my identity ( I married XXXX  years ago and recently divorced but kept my married name because that is the name attached to my social security number )
Product: Credit reporting, credit repair services, or other personal consumer reports

Says i have a loan approval but it just takes me in circles
Product: Debt collection

I'm constantly being harassed by Credit Collection Servic in the amount of XXXX. The account has been closed by previous company. I asked Credit Collection Servic to not contact me any more, or I will seek legal action against them.
Product: Credit reporting, credit repair services, 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. 

XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Vehicle loan or lease

Purchased used car from XXXX on XX/XX/XXXX. The total price was {$15000.00} with no money down. Included in this purchase price was {$3100.00} for an optional XXXX XXXX. 

I canceled the XXXX XXXX on XX/XX/XXXX. I've called XXXX XXXX to confirm that the optional warranty was canceled. 

XXXX needs to refund back the {$3100.00} to my lender Wells Fargo. Since my cancellation I've made my 6 payments on time. Since this {$3100.00} represents about 20 % of the principle, I'm paying interest on a warranty I don't have. Based on the 20 %, I've over payed about {$100.00} on interest so far. 

I've spoke with XXXX several times, XXXX XXXX and Wells Fargo.
Product: Credit card or prepaid card

Although my payments are exemplary and so is my credit history with American Express, they continue to bully me through emails to increase my payments to them. They threaten through emails to not approve further purchases if I do not pay more toward the card. I have several cards including a XXXX XXXX which they recently sent me a letter to cap spending. I do not have a problem with that but I do have a problem when I have {$1300.00} available credit and I receive a threatening email from them to not approve further purchases. I also have a small consulting firm with an Amex card paid in full each month. The harassment has become intolerable. Although I have used their tools to manage these emails, they must have me on a list of their own and I am unable to stop these emails. If I send them a letter, they retaliate in some way to make use of my cards almost impossible without receiving their nasty emails asking me to pay more or threatening to not approve charges. All of my cards are in good order, paid on time.
Product: Credit reporting or other personal consumer reports

Hi this is XXXX XXXX XXXX, I am submitting this complaint in regards to the inaccurate and unknown things on my credit report as report by XXXX Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On or about XX/XX/ I disputed inaccurate, incorrect and fraudulent information that was placed on my credit report. I contacted the following credit bureaus EXPERIAN, XXXX, AND XXXX, PRESENTLY I HAVE RECEIVED NO ANSWER, this is a big violation, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRACTICES, anytime a consumer files a dispute with the credit bureaus, the credit bureaus have 30 days to respond. As of this date XX/XX/ I have received no respond ......
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : Account Name : XXXX XXXX XXXXXXXX XXXX  Amount Alleged Owed : {$4200.00} Request to Cease Communication : Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. 
Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested : Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ). 

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

789.89 % is beyond predatory. At this point I have more than paid back my loan but no one should be expected to pay over {$11000.00} for a {$1200.00} loan. At the very least they should not be allowed to have consumers from the state of CA were there are laws established to protect people from this very thing. THIS IS THE TEXTBOOK DEFINITION ON LOANSHARKING.
Product: Checking or savings account

I filed a dispute with Chime or XXXX XXXX XXXX due to me not receiving goods or services from a vendor. I have attempted to resolve this with the merchant but havent been able to receive a response from them. I filed the dispute on XX/XX/XXXX. I submitted multiple documents with evidence that I didnt review what I paid for but I cant seem to get Chime to review these documents and approve my dispute. On XX/XX/XXXX I received a rejection letter from chime. I requested on the day for the documents that they used to determine my case and I still havent received that. I have requested these documents XXXX times and havent received anything from them.
Product: Credit card

BofA card was stolen and used to make {$600.00} in purchases. Filed claim immediately with BofA. After several weeks they refused to pay claiming valid chip was presented. 

This is completely unfair and they are impossible to talk to. No help available when calling. They either push you into AI response or when you insist on dealing with a person the call is on hold for ever until it eventually just says goodbye.
Product: Debt collection

XX/XX/2015 I filed a chargeback with Chase bank.  On or about XX/XX/2015 XXXX rejected the chargeback due to fraudulent statements made by the merchant.  Currently, the merchant still retains the XXXX in question by violating federal banking laws.  Sadly XXXX and chase bank are condoning white-collar crime and attempting to persecute the victim me.Furthermore, Chase Bank has threatened to report me as a negative banking and entity.  Inasmuch as it is not true it by itself would be a libelous statement.  This should not be allowed.
Product: Credit card or prepaid card

There was a purchase out of XXXX made on XX/XX/2020. I called BBVA mid XXXX ( per their notes ) and stated the card was used without my knowledge and they issued a new card with a new card number. They have since dinged my credit, lowered my available credit on the card ( causing utilization issues ) and have sent many, many, collection notices. I called today ( XX/XX/2020 ) and they told me they closed the dispute because " I lost the card and am responsible '' for the charge. I have the card in my possession and never did I claim to have lost it. I have already disputed the card on all three credit reports and have had a fraud consumer statement put into place. They told me they can not open another dispute but can " file a complaint '' with my " new '' information I am providing. That resolution is unacceptable and I refuse to pay for a fraudulent charge.
Product: Checking or savings account

On a recently opened commercial checking account with CitiBank, we deposited our first check from a client in the amount of {$17000.00}. Within a few days, the clients bank, XXXX XXXX, released the funds accordingly, and the funds were available in our account. However, within a few days, we were locked out of our account and were notified that our account was being closed due to fraudulent activity. After asking why and how to receive our funds in the account, they only told us they would hold onto our funds indefinitely, or XXXX XXXX would have to put a claim on the check to return funds to client. However, since the check was already long deposited and no fraudulent activity occured on XXXX XXXX end, they are refusing to take action. Upon relaying this information to the CitiBank representative in the fraud department, they also said they are refusing to take action and again will hold onto our funds indefinitely unless XXXX XXXX takes action. It was CitiBank that closed our account for apparent fraudulent, and are now unwilling to release the funds rightfully owed to us. I've had several calls with CitiBank fraud department, and they have repeated several times they will hold our funds indefinitely. This is fraudulent activity as they holding onto funds that is rightfully ours.
Product: Debt collection

I have tried to resolve the amount owed by reviewing the ledger of the last two months of the account they say I owe. After reaching out to the corporate office on XX/XX/XXXX and not receiving a callback or response to my request. I reached out on XX/XX/XXXX to the school and spoke with the current director XXXX XXXX and received a copy of the ledger for XX/XX/XXXX - XX/XX/XXXX. I called back the following day to request the previous month due to a balance that shows as a write-off when my child was re-registered after that date. No balance was discussed plus I paid for XX/XX/XXXX in full in XXXX no balance shows have been generated I will attach proof of payment. At this time I have asked them to stop reporting this debt until we can come to an understanding of the so-called balance owed. Plus I have requested for childcare network to deal with me directly. KLS needs to stay out of the matter and let me deal with childcare network.