23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I kindly request the Citi Dispute Team to reopen Cases XXXX and XXXX against XXXX XXXX XXXX, involving amounts of {$1000.00} and {$3500.00}, respectively. I have submitted a comprehensive email thread with the company that underscores their failure to fulfill the agreed-upon delivery timeline and their subsequent agreement to cancel the contract and refund the fees due to their inability to provide the promised service. 

XXXX XXXX XXXX failed to set up the account within the stipulated 10-day period, resorting to providing fake leads to feign progress. When I inquired about the lack of leads, they offered a series of excuses, from improper account setup to issues with XXXX XXXX. Throughout this process, their conduct was marked by a lack of transparency and professionalism. The owner 's behavior and attitude further compounded the problem, making it apparent that they may not honor their refund commitment as promised. This was the primary reason for initiating a dispute through Citi. 

Despite supplying Citi with extensive evidence in the form of screenshots illustrating my ongoing attempts to engage with the company in pursuit of the contracted deliverables, Citi closed the case without explanation and without processing my refund. The company, in turn, failed to produce any credible evidence to counter my claims or demonstrate the delivery of any product or service as per the contract. I reiterate that I have received nothing in accordance with the terms of our agreement. 

I respectfully request that Citi promptly reopen these cases and thoroughly examine the provided information, which should lead to a just resolution in my favor, entailing the reimbursement of the {$4500.00} wrongfully charged by XXXX XXXX. To compound matters, the company has not canceled their services, and I continue to be charged for XXXX XXXX, which I am disputing with Citi as well. It is evident that I am being billed for services that have not been delivered. I hope this information is sufficient to prompt Citi to take appropriate action.
Product: Debt collection

Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company XXXX XXXX sold my loan to. Reel time Llc. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account NumbeXXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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: Credit card or prepaid card

This summer, Brooks Brothers transitioned my store card to a XXXX. I had a certain amount of time to accept the offer and then the old card balance would be transferred and a new XXXX would arrive. On XXXX XXXX, I tried to make a payment on my store card, which was due XXXX XXXX. The balance was XXXX out. No payment was due. My replacement card was supposed to be sent on XXXX XXXX. I have not received it. Nor do I have the full account number to access details on the automated system. Yesterday, I received a bill saying the XXXX payment was past due and I was levied a fine. I logged in again last night and, again, my balance was XXXX  out and no payment was due. I tried the number on the back of the card [ XXXX ] but that now funnels me into a line that says they are trying to collect a debt. I chatted with a customer service rep last night but that was no help. I do not know when I will receive information about the XXXX account, which appears to have been activated. And I can not reach a human being over the telephone. I took a screen shot last night that shows I am physically unable to make a payment. I should be able to make last month 's payment and future payments and I should not be charged a late fee or missed payment fee.
Product: Payday loan, title loan, personal loan, or advance loan

I was cleaning out my spam emails and noticed I had an email from a XXXX XXXX from The Speedy Cash Legal of Attorneys with a court case number and letter attached stating I would be sued for a lil over XXXX dollars which includes court costs, and attorney fees for a balance being owed of XXXX dollars. Said I had 24 hours to respond or they'll proceed with the process. First of all, I almost never check my spam and why would this go to my spam mail anyways. Second. I thought Speedy Cash was a lender and not attorneys. I refuse to respond to anything that's in my spam mail. Make it make sense
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD EQUIFAX CREDIT BUREAU LOCKED MY CREDIT REPORT WITHOUT MY PERMISSION AND SENT NOTICE TO OTHER 2 BUREAUS XXXX OR XXXX  TO BLOCKED MY CREDIT REPORT. AFTER SENDING NOTICE TO UNLOCKED MY CREDIT REPORT FRAUD EQUIFAX CREDIT BUREAU DIDN'T UNLOCKED MY CREDIT REPORT BECAUSE THEY ARE FULLY FRAUD CREDIT BUREAU.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 

THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FOLLOWING IDENTIFIER ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING EMPLOYER ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting 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. 

I told Experian, XXXX, and XXXX to reinvestigate the account ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

Having received a copy of my updated credit report and seeing that it is still inaccurate and not of my knowledge, by law, this has to be removed my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I looked at my report, I sent a letter to Equifax on XX/XX/XXXX asking them to Reinvestigate these accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, Tracking Number ( XXXX ) XXXX XXXX. 
On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same. 

And According to 15 USC 1681I ( 5 ) They are supposed to do this ( 5 ) Treatment of inaccurate information or Unverifiable information ( A ) in general, If, After any Reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( I ) promptly delete that item of information from the file of the consumer, or modify that item ( s ) of information, as appropriate, based on the results of the Reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( B ) Accuracy of Report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates.

And According to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual Knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if...

( I ) the person has been notified by the consumer, at the address Specified by the person for such notices, that specific information is Inaccurate : and ( ii ) the information is, in fact INACCURATE...
Product: Checking or savings account

In XX/XX/XXXX, my property manager did an online bill pay through his bank XXXX XXXX  ) to send a check to Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent a check via mail to the address. The check was deposited on XX/XX/XXXX to a different account. XXXX has filed 2 claims and both have come back stating that Chase deposited the check to the wrong account and Chase needs to fix the problem. XXXX has also had a difficult time finding someone at Chase to talk to about the issue. I've spoken to numerous Chase representatives since XXXX to resolve the issue, but because they don't have a copy of the check, they can't do anything. Chase has told me the only way to fix the problem is to go to a local branch and give them a copy. I drove 2 hours to the closest Chase branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The branch manager said this will be easy, she used all her tools necessary to find out where the check went. She called back XX/XX/XXXX and said no one wants to handle this issue. There's nothing else she can do. I have a copy of the check with the deposit numbers on the back. There is a papertrail on my account that this way of paying me isn't new, there are numerous checks that have been deposited correctly, except the one for XXXX. I don't know who else to call, as Chase repeats that they can't help me. If the branch manager can't help me with all the tools she has, what else is there to do? The amount of the check is XXXX. The check has my correct account on it. There is nothing incorrect about this check. XXXX  did not do anything wrong. This is a simple case if Chase would just do their job!!!
Product: Credit card or prepaid card

My XXXX check was deposited into my direct express account from XXXX. I started noticing lot of unauthorized charges on my account from XXXX ( XXXX, XXXX XXXX, and several surnames all XXXX ), these charges where constant some of them where back to back within seconds of the other. So I contacted Direct Express about this an disputed all the charges and ask that they block them from charging my account again. Yet not only didn't they not block XXXX ( as they said they would ) but continued to let more an more unauthorized charges be taking from my account! For XXXX XXXX  I made over a dozen different disputes, in which I had to do all kinds of crazy paperwork, and I had to pay for a new card from them everytime, yet out of {$4200.00} dollars total stolen from account from this merchant only XXXX, {$4.00} charges where every refund ( why only those I never understand ). I spent hours an hours on the phone with direct express customer service trying not only did they not fix it but I could get to get this fix, anyone to give me any answer that where even the same always something completely different from the call before. This completed devastated my daughter and I, being on XXXX is strict budget but having all this money stole out of my account made it were we could pay even our essential bills! I tried everything to get direct express to resolve the problem to no avail. I finally had to just stop having my check deposited with them because all until I stopped deposited my check in direct express in XXXX  they still continued to let XXXX constantly make unauthorized charges to my account, but never refund my money back nor did even bother to block them nor did they even care! I never would have thought Social Security would choose a bank like that, much less have choose for XXXX American 's such as myself, like having our own bank take advantage of us, leaving us even more disadvantage.
Product: Debt collection

Repeated text messages claiming to be " Hasted Financial Services, a debt collector for a falsified service provided on XX/XX/year>. Claiming that I owe {$980.00} '' They have illegally obtained my name, DOB, SSN, and phone number.

No other method of communication was utilized ( physical mail, phone call, etc ) to notify of " debt collection '' or " being sent to collections '' as it is a scam.
Product: Debt collection

The XXXX XXXX apartments collected payments from me and then sent my account to collections to National Credit Systems. I informed National Credit Systems that I already paid this account. They never verified this account wasn't paid and they illegally reported it to the credit bureaus. National Credit Systems is harassing me and calling me non-stop at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB along with credit reporting agencies are obviously not clearly understanding the fact that I have had to report this company over and over because they continue to report INADEQUATE information which is illegal on my credit report. The credit reporting agencies ( XXXX, TRANSUNION & XXXX simply contact XXXX and they report the information as validated when it is not accurate. CFPB has indicated that it is duplicated information when it is clearly not a duplicate if the company is still reporting erroneous information. 

I am resending a copy of the notification that I submitted that shows that what they are reporting is NOT accurate if someone takes the time to read what I am providing as documentation. XXXX reports that I owe a total of over XXXX which was initially been reported as a charge off. Now it is being reported as a delinquent account. 

The documentation shows that they originally stated that the amount owed was XXXX. XXXX reports this account as delinquent every month which should not occurs since this account was reported as a charge off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX #, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXXXXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
Product: Credit card or prepaid card

This is my 2nd attempt to remedy these violations. See attached for my followup correspondence.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

A payment of {$5000.00} was made to my PenFed credit card account on XX/XX/2024, the second payment in the month. The money was cleared from my bank XXXX XXXX XXXX  ) checking account on XX/XX/2024. As of today XX/XX/2024 the credit card account isn't showing the payment submitted and the card has declined at every transaction I tried to used it. On XX/XX/2024 the bank representative told me that, as a security measure, the payment will show on XX/XX/2024 or when the payment was cleared ( the payment was cleared on XX/XX/2024, please see document attached ). As a customer this is an unacceptable practice, if the money has been cleared of my cash account, I would expect it to be available to use. I find this situation to be fraudulent and outside the contracting relationship of bank and customer. I was given no choice by PenFed as they choked my ability to use my money. I am very strict with my finances, but this has resulted in unnecessary stress as it impacted my daily activities as well as my tranquility. I currently own 2 credit cards from PenFed as well as past car and motorcycle loans. Sadly, after this and other situations, I will no longer consider Penfed as a choice for financial purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Someone took money out of my checking account as well as try to open up an account with a credit union and take out a loan
Product: Credit card or prepaid card

On XX/XX/XXXX, Citibank ( the bank who issued Sears credit card ) posted an outstanding balance of {$1200.00}, which triggered an auto debit on my checking account with XXXX XXXX XXXX. I had no outstanding balance with Sears at the time. 

Below are the dates I contacted Citibank ( XXXX ) to get a refund : XX/XX/XXXX : Spoke with XXXX, ID # XXXX. She initiated the refund process & asked me to call back on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. He confirmed that the refund was initiated on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. She confirmed a refund check was already processed on XX/XX/XXXX. She then confirmed the address & it was my old address. She updated my address, submit a stop payment & restart the refund process. She also said it may take up to 30 days to get a refund check. 

XX/XX/XXXX : Called to check the status of my refund & spoke with ID # XXXX. She asked me to check in a few days. 

XX/XX/XXXX : Spoke with ID # XXXX. She said that another request has been made on XX/XX/XXXX & I should get a refund check in 30 days. I requested to speak with a supervisor. She forwarded my call to XXXX, ID # XXXX. He confirmed that I am entitled to a refund. He also confirmed that a refund process has been initiated on XX/XX/XXXX, and that I a check should be mailed by the next billing cycle XX/XX/XXXX. 

XX/XX/XXXX : Spoke with ID # XXXX. She was unsure why I am expecting a refund. I asked to speak to XXXX, the supervisor whom I spoke with on XX/XX/XXXX. She forwarded my call to XXXX, an assistant manager with ID # XXXX. He was not very helpful. He submitted another refund request & told me that it will take 30 days ( basically, he restarted the clock ). 

It's been almost 4 months since Citibank took my money.