23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs or madam I have obtained my report, this account COMENITYBANK/VICTORIASSECRET XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s ) This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this.

The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this.

The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX, I was a victim of identity theft. Someone got a hold of my personal information and started making transactions through the XXXX app. They also used my debit card to make purchases at XXXX. The amount transferred through XXXX was {$4500.00} and the transactions at XXXX totaled to {$1400.00}. On XX/XX/XXXX I noticed my account being debited to negative amounts, I called to file a claim of fraud activity on my account. On XX/XX/XXXX after speaking with a few employees from Citizens Bank explaining my situation I was finally allowed to file a fraud claim to retrieve the money that was taken from me, both from XXXX transfers and the XXXX purchases. Citizens Bank denied those claims. On XX/XX/XXXX I filed my first complaint with CFPB concerning the fraud on my account with Citizens Bank. Today, XX/XX/XXXX I received an explanation concerning my complaint and their investigation into my fraud claims. The company addressed the terms and conditions regarding fraud cases. I understood their stance and their investigations shows that I was involved in the transactions. What they are not addressing is the fact that there was software and communications used to pose as me while the transactions were being made. These technologies concerning identity theft are beyond my knowledge to persuade that it was not me, but I did not authorize the transactions. It's a case where I'm simply requesting that Citizens Bank retrieve the funds from whatever account that they were sent to without my authorization as it states in the terms and conditions.
Product: Debt collection

I had pain for years and they kept having me do different testing and said it wasn't XXXX XXXX. One Dr I had to go out of town for instantly found them, I had XXXX and they're gone. 
Also my husband left and isn't with me anymore, I need details of which bills are mine or his. 
He's supposed to according to court orders pay his kid 's bills
Product: Vehicle loan or lease

Chrysler Capital has a computer system in place to systematically steal additional automatic payments from customers, after a lease is fully paid off. I had a lease that was paid off on XX/XX/XXXX ( date given by Chrysler Capital ), by XXXX XXXX, in XXXX Then an auto-pay of {$440.00} was deducted from my account on XX/XX/XXXX ( according to my bank, Chrysler Capital stated the auto-pay was on XX/XX/XXXX ). 

Simple mistake, right? Wrong. 

Chrysler Capital never contacted me about the error. If I never contacted them, they would not have reversed the mistake. The first representative I spoke to at Chrysler Captial stated that no payment was taken from me in XX/XX/XXXX. Then the representative gave me " homework '' to go to my bank to get a special bank statement to prove that they took the money from me. 

At this point, I demanded to speak to a supervisor. 

After going through the whole verification process and story again with the supervisor, the supervisor stated that auto-payments had to be manually ended on their end. She also stated that she could see the payment deducted in XXXX, where the original representative could not. 

Something is very fishy about the computer systems at Chrysler Capital. It appears they have been programmed to over charge customers, not refund over charges, and place undo requirements on customers trying to get refunds.
Product: Debt collection

I am disputing a collection account reported by XXXX that is connected to an address I have never lived at. This is inaccurate personal information, and I have provided proof of my actual addresses in my XXXX profile. I submitted a dispute with XXXX directly and did not receive a resolution. This is negatively impacting my credit score and ability to obtain credit. I am requesting that XXXX immediately investigate and delete the collection account and all data associated with the inaccurate address from my report. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), and I request the CFPBs help in holding XXXX accountable.
Product: Money transfer, virtual currency, or money service

In XXXX or 2024 I filed my taxes and agrees to.open a checking account with credit karma in return for my advance in taxes and my taxes to be deposited into the credit karma account. When funds came they were almost XXXX less then what they should have been. I verified with irs what amount they sent. It was correct. I called turbo tax and verified what the fees were service and asked if there were any other and they sent me a copy of my invoice for service it was correct. I called credit karma and asked if there were any hidden fees or fees other then. The XXXX for the advance and they said.no other fees. The customer service lady through credit karma even checked my irs transcript and contacted turbo tax herself to verify no other money was taken out and yet she could not explain why it was XXXX less deposited into account. She told me this had happened ro a lot of credit karma accounts and she had no answer. I asked her if it had been brought up so many times why credit karma had not given her instruction on how to explain or answer. She said she didn't know and was sorry. I did taxes for XXXX people last years and referred them to credit karma for their refund and it.happemed to every single XXXX of them as well. They called customer service and was given a similar response. I've since called back and asked again and they just give me the run around and XXXX knows anything
Product: Credit reporting or other personal consumer reports

The List of Key Data Points displayed within my personal payment history below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Payment history rating marked red for poor Late Payments 30+ Days - 5 Late Payments 30+ Days Older Than Past Year - 3 Late Payments 30+ Days in Past Year - 2 Late Payments 60+ Days - 3 Accounts Always Paid as Agreed - 62 % Time Since Most Recent Late Payment - 3 months The above Key Data Points reported have violated my rights. I have perfect payment history and my credit score isn't displaying as.

The following 2 accounts display as Inquiries under Experian that i am unaware of & have also violated my rights. 

XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX There is incorrect information displayed under my Account Summary, " Accounts Ever Late - 6 " There is incorrect information displayed under my Personal Info. 

Address XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Employers XXXXXXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 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 1681s-2 they are supposed to 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

On XX/XX/XXXX, I ordered a dresser chest from a company called home cinema center. On XX/XX/2022 it was delivered, upon delivery the box would not stand up, opening the box the chest drawers was severely torn, the legs on the chest were broken off as well as the box being severely torn. I tried contacting the company with no response. After the company received a chargeback, I began receiving harassing and defamatory emails. I contacted Paypal credit to get help on XX/XX/XXXX, to file a dispute. I asked the representative where do I send the pictures showing the damaged merchandise. I was told that, that was not necessary on XX/XX/XXXX PayPal credit sided with the merchant without notification or any update. On XX/XX/2022 I spoke with a supervisor that instructed me to upload all supporting documents and pictures. In which I did via message center through PayPal as well as by fax. I am now out of the merchandise and being billed for merchandise that I do not have.
Product: Checking or savings account

On or about  XXXX   XXXX ,  XXXX , I opened a business account wi th Citibank.  I filled out all of the paper work th at Citi req uired. I have had no issues with the bank until  XXXX   XXXX ,  XXXX , when without notice they closed my account and withdrew {$10000.00} out of the account. I place a call to the branch to find out what happen as I though my account was hacked. I was informed that because of the fact that the bank was missing some paper work they closed the account and would be mailing me a check. I requested that the account be reopened immediately and that the money put back into the account. I was told that they could have the account opened the next day but that they could not redeposit the money. The bank went on to say that they were not able to put a stop payment on their own check. When I asked how my company was to pay its bills, I was told - I do n't know and there is nothing we can do.
Product: Credit card or prepaid card

Capital one XXXX and XXXX card numbers ending.I ask for confirmation of debt on these XXXX cards. I got XXXX statements. When I called I asked for confirmation of debt. The physical wet signatures. I called and was told these accounts were verified. I asked for the name of the person, address, phone number and title. They could not tell me. I confirmed this company has incompetent employees XXXX XXXX. The fines will be {>= $1,000,000} for closing XXXX accounts without my permission {$20000.00} for not accepting XXXX negotiable instruments, total {>= $1,000,000} paid to XXXX XXXX authorized agent. I am not a XXXXXXXX XXXX XXXX XXXXXXXX  dictionary meaning incompetent XXXX. I am a XXXX XXXX XXXX I am willing to go for arbitration to see the book keeping entries entered in the book.
Product: Checking or savings account

On XX/XX/XXXX I opened a Checking and Savings account with US Bank, XXXX XXXX XXXXXXXX. It was my understanding that I would receive a bonus of {$500.00} after XXXX XXXX with {$10000.00} in automatic online deposits made in the checking account and {$150.00} bonus if I had a total of {$15000.00} deposited in the Savings account by XX/XX/XXXX and held that balance until XX/XX/XXXX. In order to meet these requirements on the Checking account I had to have my XXXX and my XXXX XXXX checks automatically deposited each month. My first XXXX check was deposited on XX/XX/XXXX and my first XXXX check was not deposited until XX/XX/XXXX. Both requests were made at the same time. The Banker that I opened both accounts with called me around the middle of XXXX advising me that my XXXX XXXX would be up on XX/XX/XXXX. I told him that without counting the XX/XX/XXXX XXXX automatic deposit I would be short of the {$10000.00} requirement. He said that that shouldn't be a problem which I accepted. I don't remember his full name but his first name is XXXX. As it turned out I had {$8100.00} in automatic deposits on XX/XX/XXXX and XXXX in automatic deposits on XX/XX/XXXX. Each month since then I have had over {$5000.00} in automatic deposits. In XXXX I did receive a bonus of {$300.00}. In discussing this with the XXXX XXXX branch manager his response was that his boss would not allow the bonus of {$500.00} because the XXXX XXXX requirement was not met in time. I also called customer support and after someone reviewed my complaint, I don't know who, it was referred back to the branch manager who told me last week that he was waiting for an answer. All requirements were met for the saving account which now has in excess of {$35000.00} deposited and still no {$150.00} bonus. I feel that I have acted in good faith and can not understand why US Bank will not. I feel that the US Bank owes me {$350.00}.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX before the payment due date. I NEVER gave EXPERIAN XXXX XXXX OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card

I bought XXXX tickets XXXX on XXXX XXXX Amex. 

I purchased Trip Guard for all XXXX tickets. 

I am Amex XXXX. Card ending : XXXX. 

On XX/XX/XXXX I called and cancelled one of the travellers, XXXX XXXX and claimed trip guard insurance. Horrible service, took almost two hours. 

Recently I got an email from Amex saying XXXX XXXX refused to pay insurance because XXXX had given me airline credit. I called XXXX they said no credit had been issued nor had they even been contacted by Amex. 

Amex has engaged in insurance fraud. They offer and sell trip guard insurance and then deny coverage on false arguments. 
I spent 1 hour on calls today with Amex, one employee hung up the phone, others offered no solution. Fraudulent and egregious conduct. 

I demand reimbursement of the price I paid for useless trip guard or coverage for the XXXX XXXX ticket. 

In parallel to complaining directly to Amex I am filing complaints with XXXX, CFPB and FTC. 

I will also be cancelling my Amex cards this year. 

Trip ID : XXXXXXXX XXXX XXXX XXXX. 

Trip Cancel Guard Identification Number : XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered after filing a complaint. Following my complaint submission, I am unable to access my credit reports using the same information I have used previously. XXXX the most but now Experian. I also can not dispute name that is on my credit report with XXXX that is not correct at all. These are not my names and never was spelled they way they have them spelled. 

Moreover, I suspect that the involved companies might be employing phishing tactics to obtain information to place on credit reports. 

I kindly request your prompt assistance in investigating and resolving this matter. I believe the issue poses a significant threat to the security, right to privacy of my information, and I am eager to ensure a swift resolution. 

Thank you for your attention to this matter, and I appreciate your ongoing efforts to protect consumers.
Product: Debt collection

I've been on time with all my payments, I missed my last payment in error and am currently 11 days late and unfortunately can't pay for another 5 days. I have received NINETEEN phone calls from them in the last 4 days. Was told it won't stop until I pay.
Product: Mortgage

We are currently in the process of refinancing with another mortgage lender and requested on XXXX XXXX, 2015 to have our current mortgage company, Selene Finance, send a copy of the note to the new mortgage provider. We were advised it will take 7-10 business days. On the XXXX and XXXX business days, we were told that Selene had up to midnight on the XXXX day to send it and they would take the whole day. On the XXXX day, the note was still not sent so we called and were told that the XXXX previous employees we spoke to were incorrect and that it can take up to 30 days if not requested in writing as verbal requests are " put in a pile ''. We then spoke to a manager, XXXX, to complain that XXXX different Selene employees advised us incorrectly which is unacceptable. We were told that she would escalate it and would not promise anything as far as timing. We even had to ask her to call us with an update on the situation. Selene acquired our mortgage in XXXX 2015 and this is the XXXX issue we have had with the company in 7 months. Their Customer Service department is absolutely horrible ( not helpful, not trained, incompetent ), and I would advise anyone to stay away from this organization as there are PLENTY of other mortgage service providers who can provide you with better service.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

{$1700.00} was fraudulently charged on my husband 's debit card from our joint checking and savings accounts from the of XX/XX/XXXX until XX/XX/XXXX. The charges were in amounts under {$100.00} made multiple times at the same XXXX and XXXX in XXXX XXXX XXXX California. Most of the charges were done for the same amount multiple times within the same day. They were made while my husband and I were both at work and on vacation at stores we never and have never shopped at. In a town we do n't live in. We reported these charges right away to Bank of America. The funds were then returned to our accounts and the fraud department was supposedly taking care of it. A month later the fraud department suddenly changed the ruling of those claims being fraud and pulled all of the money from our savings and checking accounts making them negative {$550.00} with additional over draft and low account fees. We called Bank of America right away with this on XX/XX/XXXX, and were told we would be called witchin 24-48hrs. No call was received so I then went to our local branch on XX/XX/XXXX.They contacted claims where we were told a letter was sent to us about all of it. We never received any notifications. We were told then the claim would be resubmitted and again would be contacted within 24-48hrs. Again no contact. I emailed the accounts manager I had talked to that day at the branch as she had told me to the previous day if I had not heard back in 24hrs. On XX/XX/XXXX I again called the claims department asking about the status of our refund. They said they would expedite it again and I should be notified by the following day. The accounts manager called me as well saying to let her know if they refunded my money by the next day or if not she would have her manager take charge of the claim. Still no response or money returned. My husband called again XX/XX/XXXX where he was told the claim had been restarted all over so we would not be getting any kind of response until XX/XX/XXXX. I called XX/XX/XXXX and this time was told no claim had ever been filed. This is now going on two weeks with our checking account in the negative and our savings completely wiped out from charges we did not make. Bank of America is claiming since my husband 's chip and or pin was used at two of the transactions and since they were not large sums at one time that it was n't fraud. Whether is was small amounts over time or one page purchase {$1700.00} was stolen. We were on vacation literally watching the charges appear on our account through our mobile banking app and unable to do anything about it. We called XXXX XXXX like we were told. We would have called the moment w saw it but over XXXX XXXX weekend all the claims/fraud offices were closed so we couldn't.A bank that is suppose to protect our money and help us when things like this happen is blaiming us and letting criminals steal our money and charging us extra for it. We ca n't pay our bills, we have no money and all because of this.