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

I have attempted to resolve directly with the merchant as well as my credit card company well within the time period, once the transaction posted I started a dispute. Citibank during this time provided little to no updates, I continued to call 2-3 times a week, each time the representative gave different updates, and as of XX/XX/XXXX was told it was going to pre arbritration, as of today XX/XX/XXXX was told it was completed not in my favor. I pre-paid for 1 night of a hotel which payment was made XX/XX/XXXX and also didn't receive tickets from the hotel and was cancelled due to the incorrect tickets that they sold prior to the show. Please see the original letter. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX  XXXX / Case ID XXXX Citibank AKA Citi Cards  Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir or Madam, I am writing my response to the billing dispute for {$800.00} on my account. Date of transaction XX/XX/XXXX from merchant XXXX XXXX XXXX, XXXX NV in the amount of {$800.00}. 
I am disputing the resorts fees, additional nights billed for Fraud/Goods and concierge fee as these were billed by merchant fraudulently without my permission and goods and services were not received. 
We only stayed one night in which was paid in advance on this Citibank card transaction date XX/XX/XXXX in the amount of {$180.00}. This is the only night which is not in dispute. The night at the hotel was XX/XX/XXXX, this was the night paid in advance. When checking in the front desk clerk still had the additional nights which were requested to be removed in XX/XX/XXXX and reverified 30 days prior to our reservation. The front desk clerk said not to worry it will not be billed and she will update to reservation. Before leaving hotel on Saturday morning XX/XX/XXXX we performed a charge through concierge for tickets at the XXXX, we were shown the exact seats on a seating chart that we would be sitting in however not provided with tickets. When getting to the XXXX that evening they had different seat selections and could not provide us the tickets which were promised by XXXX XXXX XXXX, we called hotel and advised them of this issue immediately ; they stated it was an error on their part as they use a third-party vendor to purchase tickets. We advised them that we would not be using the tickets as seat selection shown was four tickets together in a better price zone, and XXXX claimed that tickets were separated in a lower price zone. We were unable to separate from our children and didnt want to accept tickets that were not the tickets promised. They also promised not to charge for this. Upon getting home we saw the incorrect charge and attempted to work with merchant, they didnt respond back. We had no alternative to request a dispute in order to protect ourselves. This is the first time ever disputing a transaction and have been a long-term customer with Citibank. I hope that you will be able to assist in working with me to resolve this issue on the fraudulent charges so that the dispute is in our favor as quick as possible. I appreciate your assistance. 


Sincerely, XXXX XXXX
Product: Checking or savings account

The account was frozen due to suspected fraud. The bank called me to sort it out, and now almost 2 weeks later my account is still frozen. I can't withdraw my money or pay any of my bills. When I call Ally, I get told there is no timeline for this to be resolved and they can not help me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX 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 # ( private case number ) 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: Checking or savings account

I had an unbelievably horrific experience with the Bank of the West ( BOW ). I logged several complaints that referenced the errors in opening the account and subsequent errors by BOW employees. ( BOW response Dated XX/XX/ is attached ) The account was held open for the required period of time to charge off the account. Allowing the BOW to collect insurance and sell the account to collections. 

BOW has listed several complaints filed and has treated every complaint without variation. However, the subsequent complaints are about the errors in the XXXX XXXX response to claim/complaint filed before the closing of the account. 

The Bank has closed all complaints without investigation into the errors reported in the BOW letter dated XXXX XXXX. The last complaint I filed was to have XXXX Credit Reporting agency add my personal statement as I had written my own personal statement. 
Submitted to the CFPB on XXXX # XXXX The Bank response summarizing what the BOW feels is my complaint with no acknowledgement of the request to review its own letter of XX/XX/ and the visible errors admitted and subsequent accounting errors after the admission. 

I continually state there were deposit and automatic withdraw errors on the account. The XXXX XXXX admits one deposit error. However, the rest of the XX/XX/, letter does not account for the admitted BOW system error. I was harmed by the BOW computer system error as evidenced in the accounting of the letter of XXXX XXXX 








The last BOW response included this statement : For questions regarding account activity from XXXX and prior, please contact XXXX XXXX, Retail Customer Services Officer/Vice President at ( XXXX ) XXXX. 

SO, The Bank of the West should have directed XXXX XXXX to respond to the complaint ( s ). My complaint stands. I do not owe the BOW or the XXXX XXXX XXXX. I requested the account be closed in XXXX XXXX The account was not negative with the deposit in XX/XX/. The BOW did not close the account upon consumer request. The account remained open collecting fees not closed until 3 months after requested closure by the consumer. BOW disregarded an open dispute on the account and refused to investigate the damaged caused by system errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00}.
Product: Debt collection

On or about XXXX XXXX XXXX, I received approximately 10 collection letters from XXXX XXXX XXXX XXXX a debt collector regarding an alleged debt. I responded on XX/XX/2024 by sending a debt validation request, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing debt validation, XXXX XXXX XXXXXXXX filed two lawsuits against me on XX/XX/2024 and XX/XX/2024. These two lawsuits pertained to 3 of those debt collection letters. After I sent the request for debt validation, XXXX did not respond. I sent a NOTICE OF NONRESPONSE on XX/XX/2024 and informed that they have failed to verify the debt within the 30 days that I allowed them in my dispute. They in turn have sued me in the XXXX XXXX Small Claims court for a breach of contract. At no time did they validate this debt or as per the terms and conditions that they attached in their complaint allowed for this to be handled in arbitration. I am requesting that they pay the {$1000.00} per debt collection letter filed against me in court prematurely. This will total {$3000.00}. ( They were previously advised that I had a change of address but continued to send correspondences to an old address. I informed that anything further would be returned to sender as they had my new address. ) 1. Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) 2. Unfair and Deceptive Practices ( 15 U.S.C. 1692e ) 3. Harassment and Abuse ( 15 U.S.C. 1692d ) Codes Violated : - 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide debt validation within 5 days of receiving a validation request. - 15 U.S.C. 1692e : Prohibits unfair and deceptive practices, including filing lawsuits without proper validation. - 15 U.S.C. 1692d : Prohibits harassment and abuse, including filing lawsuits intended to coerce payment.
Product: Checking or savings account

An account was opened. Only one transaction occurred, a initial deposit. Hours after the initial deposit the bank terminated the entire relationship by shutting down checking and savings accounts. Not advised why babe done this, there was no fraud that occurred on the account, there was not even a debit card or checks issued. Thanks and allegedly sent out a check to the address on file which was an incorrect address. XXXX was thrown the check and several legal demands have been sent to the bank. They have ignored decent assist as well as XXXX They've also violated terms and conditions.
Product: Mortgage

We completed numerous applications several times but the mortgage company continue to deny our request using incorrect documentation. My monthly XXXX income of {$3200.00} was terminated by the XXXX insurance company in XXXX XXXX. We both struggle with significant health problems that are extremely costly, have negatively impacted our credit profiles and we have been in the home for almost 25 years. It as if they are determined to make us homeless. Can you please assist us in getting a modified loan. 

In their most recent denial letter they notified us for the first time that many of the programs offered by the US government no longer exist and that they are not allowed to offer us assistance because of a formula dictated by the US government, they have to comply with. The information contained in their formula which they continue to use to deny us assistance continue to be incorrect.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Prestige Financial regarding my auto loan being very high at almost 20 %. I spoke with XXXX and asked about reducing my rate. XXXX told me I could make 3 on time payments or add auto pay to my account. She informed me the rate was reduced to 19.74 %. XXXX is very unprofessional, condescending and calls on the day the payment is due. There's absolutely no grace period. 

I was 30 days late with my car note once, back in XX/XX/XXXX. I feel this rate is predatory lending for veterans who've had financial hardships. I recently discovered through XXXX my vehicle has structural damage and it's worthless!!! The vehicle 's history was never disclosed to me at the time of purchase. I purchased my car for $ XXXX, by the end of my loan, I will have paid over $ 26K. 

I purchased my vehicle in XX/XX/XXXX, after filing bankruptcy. My bankruptcy attorney referred me to an auto program called 722 Redemption. They " offered Chapter XXXX debtors alternative to costly vehicle reaffirmations ''. Through the 722 Redemption program, I bought my car from the XXXX XXXX dealership in XXXX Ohio. 

Now I'm stuck with a worthless vehicle, an outrageous interest rate and $ XXXX in negative equity. Please help. 

Thank you, XXXX XXXX
Product: Credit card

I opened a Belk card under pressure from the sales woman who insisted I would immediately be able to pay off the balance. When calling to pay the balance, I was told I had to wait 24 hours. I called back 48 hours later, and was given the same excuse that my payment had not yet posted. This is pretty transparently an attempt to get people to pay interest as they won't let you pay over the phone or online several days after the purchase was completed.
Product: Debt collection

Bank of America provided XXXX a false address located in XXXX XXXX Nevada on XX/XX/XXXX under my name and phone number in an attempt to re-open a closed settlement in XXXX. 
Bank of America then enlisted the services of the XXXX XXXX XXXX in XXXX XXXX California to send collections notices and harassing phone messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a SSN breach in which a fraudster opened up multiple fraudulent accounts using my SSN with numerous creditors including : XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They then went delinquent on all of the accounts and my credit score was destroyed. The fraud occurred in XX/XX/2022. The only lead I have is that the address for the XXXX XXXX account was XXXX XXXX XXXX XXXX XXXX, TX XXXX and it was started on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

identify you and your account.

I 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 not comply 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
Product: Credit reporting or other personal consumer reports

Bank is : XXXX XXXX XXXX  Account XX/XX/XXXX I XXXX XXXX XXXX that the Retail Installment Contract # XXXX for the purchase of a XXXX XXXX XXXX XXXX ( the " Collateral '' ) VIN # XXXX that was entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX was not signed/endorsed by me nor was it done with my knowledge/consent. I further state that the signatures appearing on said Retail Installment Contract are forgeries and not made by me or authorized by me. I have not received any benefit or value a result of said Retail Installment Contract. I further testify, declare, and depose that a no time did I have possession of the Collateral listed and said Retail Installment Contract nor did XXXX have knowledge of the said Collateral. 
I will testify, declare, depose, or certify to the truth or any or all of the foregoing before any competent tribunal, office, or person in any legal proceeding, civil or criminal, which is now pending or which XXXX hereafter be instituted in connection with he matter of the Affidavit. 
FURTHER, I UNDERSTAND THAT MAKING A FALSE SWORN STATEMENT IS SUBJECT TO FEDERAAL AND/OR IMPRISOMENT ACCORDING TO HE LAWS BY MY STATE.
Product: Money transfer, virtual currency, or money service

My late father was involved with the Western Union law suite . I am the executor of his estate and the law suite say 's my father is entitled to {$1000.00} per the suit settlement. I have got no where with the attorneys that settled the suite so I have been trying to get Western Union to get this taken care of. I have sent them copies of the law suite and all the paper work showing I am the executor, my fathers death certificate and copy of settlement amount letter. Then they take weeks to respond to return emails then ask me for information I do not have. They are avoiding the law suite settlement payment
Product: Credit card

I continue to get a fee charged by venmo from XXXX for {$6.00} Venmo was suppose to remove it a while back because XXXX could not find where it was being billed from. However Venmo will not and has not removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting inaccurate information in the form of 7 accounts, different amounts and dating back as afar as XXXX of XXXX. There is only payout information on the report starting in the year of XXXX. Equifax has to be an elaborate mechanism as evidence by the lack of accuracy in my report. May this also stand as a formal request of " VALIDATION " of a debt to XXXX, as provided in the Fair Credit reporting Act. I am requesting to see any and all contracts with my signature as well as the ORIGINAL INSTRUMENT OF INDEBTNESS. If these accounts can not be validated, then they must be deleted Done in Good Faith XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2022. Ive disputed this XXXX XXXXXXXX XXXX issue on my checksystems and it never been resolved!
Product: Debt collection

I was working with XXXX XXXX on a payment arrangement for a bill. As soon as I gave my checking account number-within that same breath-the rep asks me if I am aware of debt for capital one in their office. 

I have a Current Capital one card I am in repayment on-in past when I received these phone calls it upset me because I was confused about which debt they were referring to. 

This debt they were referring to is over 13 years old. 

I felt Harassed and manipulated-I would not have gone into a payment arrangement with this company for XXXX -- had I known they would combine the two companies in our conversations, and during our payment arrangement no less. 

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

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 45 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Sure, here 's a template for a dispute letter to a credit bureau regarding a name and address discrepancy : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute incorrect information on my credit report. The report lists inaccurate details concerning my name and address, which I request be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have caused me significant inconvenience and could potentially affect my credit standing. To support my request, I have enclosed copies of the following documents to verify my correct details : Please investigate this matter and update your records accordingly. I request written confirmation once these corrections have been made. If you require any additional information, Thank you for your prompt attention to this matter.
Product: Debt collection

I am writing to formally dispute the reporting of an account that you have placed on my credit report. Your agency has failed to provide the necessary validation and disclosure information as required by federal law, and as such, I demand the immediate removal of this account from my consumer report. 

The following laws have been violated by your agency in this matter : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) Your agency has not furnished the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). I am legally entitled to full disclosure of the alleged debts nature, origin, and amount, none of which has been provided to me.

Failure to Allow for Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) Your agency placed this debt on my credit report without giving me the opportunity to dispute it under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), effectively denying my right to contest the debts validity. 

Use of Deceptive and Misleading Means in Collection Efforts Reporting this debt without legally required disclosures and validation constitutes misleading, deceptive, and false representation of the debt, violating my rights under consumer protection laws. 

Unlawful Reporting without Required Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ) ) Your agency has no authority to report any account to consumer reporting agencies without providing all necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( a ) ( 7 ). Your failure to comply is a clear violation of my rights under the FDCPA and FCRA.