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

I cancelled my credit card on XX/XX/XXXX, as I did not want to pay the annual fee renewal of {$95.00}. I did not pay the {$95.00}, as I know that I didn't need to since I experienced financial difficulties due to COVID 19 and I did not need the credit card due to my financial hardship. 
I had over XXXX Thank You points when I cancelled. I was fully aware that I had to transfer them within 60 days of cancelling. 
However, when I cancelled my card, my TY points disappeared instantly. You will see this by looking at my XXXX statement when they were there, and my XXXX statement, by which time they had disappeared. 
I was told by a customer service rep that my points will be reinstated as soon as they issued a credit of the {$95.00} annual fee. 
Despite several attempts to recover my TY points over the next several months, the last attempt being today XX/XX/2021, I was told that I was beyond the 60 days to use them. Except - I never had those 60 days, the points disappeared instantly. 
In one conversation in late XXXX, a CSR told me has was going to try to reinstate my points and was going to follow up with me within 5 days. which of course he didn't do. 
All I heard was either : - Call Thank you Points service phone number, which I did, repeatedly. They send me back to the regular number of Citi customer care. And Citi sends me back to Thank You Points, and so on. No one claims responsibility for my loss of points. All they can say is that I passed the 60 days mark. Once again those points disappeared instantly in XXXX. 
- There is no further way to escalate. The " supervisor '' is the ultimate authority, like if there was no management or executives in charge at Citi. 
Basically, I was robbed of over XXXX points with no recourse.
Product: Credit card

Twice in XXXX 2016 I was charged a {$20.00} " cash equivalent fee '' and {$2.00} minimum interest charge ( with interest ongoing ). These are associated with XXXX routine transactions which are not in dispute. Elan Financial Services told me : " Your transactions to XXXX XXXX XXXX XXXX XXXX XXXX for {$25.00} and for {$17.00} were processed as cash equivalent advances. Cash equivalent transactions are assessed a fee of {$20.00}, or 4.00 % of the advance amount, with no maximum, whichever is greater. Cash equivalent advances include wire transfers, travelers checks, money orders, foreign cash transactions, casino gaming transactions, betting transactions, and lottery tickets. '' However the transactions were not for any of those cash equivalent advances : they were for routine fee for service shipping services. I have requested those charges be corrected. Elan has refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 XXXX XXXX XXXX CT- XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed
Product: Checking or savings account

PayPal asked me for a photo ID, I have used my PayPal account for 20 + years already. PayPal put a limited access tag on my account, I received ZERO NOTICE of this. PayPal is asking me for receipts of items from a distributor I sell on EBay but I do not have receipts as all  these items were bought by me on XXXX over the past 20 years. I am simply unloading/selling a collection of rock patches that average about {$9.00} a piece. I do not operate a business on XXXX. I have perfect 100 % + positive feedback on XXXX too, so there should be no need for PayPal to limit my account. By limiting my account, PayPal will not allow me to withdraw that funds I have in my PayPal account. I tried calling PayPal but when you hear the automated system state there is a wait time of 1 hour to 2 hours and they are going to transfer you to put you in line to wait for a customer service agent, PayPal then drops the call or in other words PayPal hangs up on you. There is zero way to resolve the matter online or over the phone then.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did XXXX XXXX with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Received a promotional offer for a {$75.00} off coupon on a purchase of {$500.00} or more. On the same offer it also states " available every day '' no interest if paid in full with 6 months. No where does it state an " either or '' on the coupon. Called and of course got transferred a few times and was also told to call another number, didn't matter nothing got resolved to my satisfaction. In fact, one representative put me on hold for some time, assuming he was talking with his supervisor and when he got back on the line, I was told the it's the customer responsibility to look for the word " AND '' in these types of promos. If the word and is not stated, that I should assume it's and either or promotion. 

I would also like to state that I have take advantage of these types of Home Depot offers in the past and they previously stated an either or option and now they don't. 

I clearly think this is a UDAAP violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : capital one auto fin XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXXXXXX XXXX within the required 30-day timeframe regarding a dispute I submitted. Because Experian failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately.

Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. Experian has failed to do so, making them non-compliant with federal law.

No Verification Provided Because the timeframe has expired and Experian has not provided verification, this disputed item is now legally required to be deleted from my credit report.

Ongoing Harm Due to Negligence Experians failure to act within the legally mandated time frame has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action.
Product: Credit reporting or other personal consumer reports

THERE ARE 3 ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT & INACCRATE PAYMENT HISTORY IN THE MONTHS ON EACH ACCOUNT THAT IS REPORTING. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY FOR VILATION THE FCRA. ( XXXX XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX )
Product: Payday loan, title loan, or personal loan

I applied for financing online ansd I was approved through American First Finance to purchase furniture, I was approved for up to XXXX. However, I purchase for XXXX. I requested a contract and was emailed one that is a rent to own agreement that stated total cost of XXXX. I decide to return the rental property. However, American First Finance said they do not want it back. I just want to return their rental property as I they don't want to take it back.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B necessitates removing any erroneous accounts from my credit report. Could you look over the documents? Some of the accounts listed have inaccuracies in their reporting, amounts, and dates.
Product: Consumer Loan

We took out a loan with First Hawaiian Bank for 36 months. Because we paid monthly onetime periodically we were offered a deferred payment option as a gift for paying on time. Particularly this was given around XXXX. This was promoted as a good opportunity for the customer but as it turned out this was a tactic for the bank to charge us another year of payments and thereby charge another $ XXXX thereafter because they charged interest everyday on the balance when deferment was offered. This is a deceptive business practice whereby the bank gives the impression the payment will be collected at the end of the 36 months when in all actuality they are charging interest daily which means the customer ultimately pays XXXX the cost of the original loan. This is a unethical business practice whereby the bank can extort extra charges, interest and fees against customers with a good payment history. This is very deceptive how the calculate the added interest opposed to added the deferred payment to the end which already includes the interest when the payment would have been paid. Shame on FHB.
Product: Student loan

XXXX Violation Unauthorized Disclosure of Protected Information Under 34 CFR 99.30, my financial and educational records are legally protected from unauthorized access. Yet, my information was leaked without my consent, compromising my privacy and financial security. This is a blatant violation of federal law, and I expect swift corrective action. 

XXXX XXXX Violation Potential Discriminatory Impact If this data breach disproportionately exposed specific student populations to harmwhether through targeted leaks or disproportionate impacts on marginalized borrowersthen it constitutes a direct violation of XXXX XXXX  Any actions that result in financial, legal, or systemic harm to protected groups must be immediately addressed.
Product: Debt collection

My XXXX check is being garnished at over {$120.00} a month. GC Services contacted me numerous times, illegally, after I informed them to do not call me. In XX/XX/2018, I contacted GC Services to see what I could do to stop the garnishment. I was informed that if I made voluntary payments ( 9 ) then it would bring my loans out of default status. I agreed and set up an auto  payment for {$5.00} monthly from XXXX until XXXX. Then after the payment in XXXX was completed someone would contact me to set up a new servicer for my loans and my loans would be out of default. Now, here it is XXXX, and I contacted them because I had not heard from anyone, as of XX/XX/2018. At that time I was informed that for some " unknown " reason the last payment they had received was XX/XX/XXXX. She told me that in order to " fix '' this situation I would need to make 2 payments to catch up. Then a payment at the end of XXXX. At this point my contractual obligation would be fulfilled. I agreed to those terms and set up the auto payments once again. One was taken on the XXXX of XXXX one was taken out on the XXXX of XXXX. Then, ONE should have been taken out 2 -3 weeks later. However, when I checked with the bank a total of 5 payments of {$5.00} was taken from my account. Not only should this have completely satisfied my agreement with GC Services, but they would have also owed me monies back. Upon seeing this I contacted GC Services, and spoke with a manager. I was informed that I still had 2 payments to be made. They said that my XXXX payment was in deferment. That the first 2 payments were applied to XXXX and XXXX payments. Now, there was still the situation with the OTHER 3 payments that was taken out of my account. That should have covered XXXX payment, and they should have to refund me the additional 2 payments that I did not agree to, and my contract was fulfilled at this time. 

However, I was told that, I am still in default, i still owe until XXXX of 2018. They can not give me a reason why my auto payments were stopped, nor can they apply the payments to my signed agreement. That the money was apparently applied to principal. 

I live on a small XXXX check monthly, and that additional money that now is just gone, means the difference of me eating for the month or not. I am being reprimanded for this companies mistake, and They did not uphold their end of the contract. Now I am the one to not only uphold my end of the contract, but also being tripled charged when I did not agree to that. 

This is blatant fraud.
Product: Checking or savings account

Last Friday XX/XX/year> I received a check from a new customer of XXXX. And the check was put on hold. Next day ( Saturday XX/XX/year> ) the check was clear on my portal, but I called to chase to confirm that check was firm and can not cancel or return in the future the person on the phone ( chase ) confirmed that check was good and not possible to return. 
Wednesday ( XX/XX/year> ) in the morning check was returned from my account. I went to the bank for an explanation and they just told me this happens you should wait more days. I already explained that I called to chase to confirm before to deliver the product to the customer, because was a new customer, But they told me they can not help here. So, Im a victim Of a fraud because chase gave me the wrong information.
Product: Bank account or service

Citibank is testing my patience and I 'm getting tired of it. 
I applied this checking account ( # XXXX ) by XX/XX/XXXX under the {$400.00} bonus checking promotion and completed all the requirements on XX/XX/XXXX. On XX/XX/XXXX I sent an online secure message to verify my qualification of this promo. I got an email response ( Letter ID # XXXX ) on XX/XX/XXXX confirmed that my account has met the necessary requirements to qualify for Promotion XXXX, and I should receive my incentive 90 days from the date of the qualifying transactions. 
On XX/XX/XXXX, since it has already been 90 days but I still have n't see the bonus been posted yet, I 've send another inquiry via the secured message. The Online Client Services rep XXXX XXXX responded that the bonus shall be credited no later than XX/XX/XXXX. But that never happened. On XX/XX/XXXX I send another message regarding the promotion and got a very equivocal response from rep XXXX XXXX XXXX, which makes me started feeling suspicious. 
So I called Citibank on XX/XX/XXXX, the telephone rep XXXX promised me the bonus will be deposit within 2 days, and also provided me a confirmation # XXXX. Once again, that never happened. 
After XXXX messages, XXXX phone calls and nearly a month past the deadline, that 's when I know that all the Citibank reps was just prevaricating me, making up random dates and making me false promises. This is very irresponsible and unprofessional. Citibank is testing my patience and I 'm getting tired of it. They need to stop lying to their customers and started telling the truth.
Product: Debt collection

I requested the origination of debt dates be corrected to XXXX of XXXX  and I advised them that I was awarded XXXX XXXX XXXX and charity to cover all XXXX  XXXX debt from my XXXX XXXX  account, I was advised that all divisions and departments was {$0.00} and I requested National Recovery to send proof and validity so that I may take it to the hospital to get it handled and I was never mailed, emailed or contacted and they just entered the incorrect information on my credit reports after the initial phone call in violation of my HIPPA and FCRA consumer rights of validity. I have since disputed these matters on my XXXX XXXX, XXXX and XXXX accounts just for them to validate and affirm this inaccurate information in the span of less than a week and without forwarding me the tangible proof that I requested. 

National Recovery XXXX {$15000.00} National Recovery XXXX {$2600.00}
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account,
Product: Debt collection

I recently checked my credit report and noticed Debt XXXX XXXX XXXX XXXX reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
Product: Credit card or prepaid card

I purchased a room at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to be present at a comedy/music festival and made payment for XX/XX/XXXX thru XXXX. Payment plan began XX/XX/XXXX. The merchant never had a valid contract with the hotel to sell the rooms. The merchant sent our notification saying they were canceling due to the dispute with the hotel and the contract. The merchant sold me a service/product I never received. I called to dispute the charge several times with capital one. The merchant provides a fraudulent cancellation policy etc to avoid responsibility. The merchant is now in bankruptcy court ; however, I disputed the charge with Capital One before the filing. Capital one will never call me back. They would not provide contact information to the office if the president. On XXXX was charged {$350.00} On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I was charged {$290.00} plus interest. 

I was refunded for XX/XX/XXXX {$350.00}, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Based on conversation charges from XX/XX/XXXX & XX/XX/XXXX were processed by a back office and the merchant agreed to refund me the fee XX/XX/XXXX. 

I have called and faxed documents over XXXX time in the past few months while trying to deal with the passing of mother. Capital One said the borrower responded so I can not dispute with them longer ; however, the merchant has committed fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Equifax regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX  XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5500.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX  XXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Equifax showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Equifax. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I wrote a check for {$61000.00}. Two days later on XX/XX/2023 I was contacted by the vendor because Chase did not want to honor my check after the funds were already deducted from my account. Chase told the vendor that the check was fraudulent ; while Chase never contacted me via Email or Telephone to verify if I wrote the check. To date, Chase has not returned my funds nor has paid the vendor. Chase is holding my money without just cause.