23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I brought a water tank from XXXX for {$570.00} when the hot water tank was delivered I had to wait till a plumber could come and install it on XX/XX/2021 the plumber whom came to install it informed my the the gas gage on the from was shot that I needed to contact XXXX XXXX via the number on the tank to request a replacement. I reached out to several time to find out how to return the thing. My I even contacted my local store on XX/XX/2021 they informed me that a hot water tank from online couldn't be returned to the store. I requested a refund with my bank because I explored every avenue, including buying a new tank that has been successfully installed. I put in the request for a refund and Chime declined the request! This is a theft of funds the tank that was defective and I made every good faith effort to return the item I have the item and will return it with direction on how to do so.
Product: Checking or savings account

Dispute reference : XXXX I opened Citi savings account via the Miles Ahead Savings Program where a lump sum miles bonus is awarded to your XXXX XXXX account and a 25 % bonus miles for charges on a credit card I had under the same account after maintaining your balance of funds in the savings account for 90 days. I opened my account in the beginning of XX/XX/2023. I have received no lump sum bonus nor spending bonus after having satisfied all the requirements, and as of today we are 173 days after opening the account. I have attempted calling Citi nearly a dozen times to confirm my account status was correct and that my bonus would be paid out properly. It is now XXXX, and I have received nothing. 

Citi has had the benefit of a meaningful amount of my savings for 173 days, while I was expecting to earn the lump sum award, and spending bonus and have received neither. This is a sad example of the banking system that so many have come to resent. Citi 's failure to uphold the simple and basic end of an offer they extended to their customer base is shameful. Making the situation worse has been their grossly incompetent handling of any resolution. I have wasted multiple hours and calls to seek fair resolution. 

I have filed a Citi dispute number : XXXX
Product: Debt collection

I have been receiving medical collection letters and although I have on numerous correspondence requested that they provide proof of the debts the company refuses to do so. The balances keep getting higher but I get absolutely no correspondence addressing my request. This is becoming a great concern for me and my family and I believe it 's a violation of the fair debt collection practices act which states that a collection agency must provide proof of a debt within 30 days and to cease collection when it is not the victims debt. There are other violations I believe that a good attorney would litigate. I am also filing a complaint against and with XXXX XXXX regarding this discrimination.
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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I use bill pay and have set several accounts to autopay. I have never had an issue with Bill Pay previously. On XX/XX/XXXX, a payment was supposed to have been paid to my mortgage company. The check from the bank was received by my mortgage company XXXX  days late and I was charged a late fee by them. I asked the bank to reimburse me the late fee and they refused.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid {$120.00} and the week prior I paid {$110.00}, totaling {$230.00}. I was supposed to pay {$210.00} on XX/XX/XXXX after my car was repossessed on XX/XX/XXXX. I paid them {$640.00} on XX/XX/XXXX and claimed the car from the repo agent on XX/XX/XXXX. XX/XX/XXXX while XXXX, a rider attacked me and XXXX put my Driver app on hold prohibiting my from making money in order to pay my bills. I spoke to XXXX at Credit Acceptance and she told me to pay {$290.00} by the XXXX and call back to make new arrangements. When I called today, XX/XX/XXXX a guy named XXXX said I needed to pay {$370.00} or my car would be disabled by tomorrow, Fri XX/XX/XXXX. I told him about my dispute with XXXX  over my account being reported as " closed '' when in fact I just made 3 payments over the last 45 or so days and still had the car. He insisted my car would be disabled and offered no further help. I called back and asked for a Supervisor and a guy named XXXX took the call. He listened as I explained my situation and told him I was hired by a new employer and could begin making full payments once I was on payroll in XX/XX/XXXX. I also stated I wanted to make small payments from my XXXX earning since my app was back on. He then told me that " I hear you, but there's nothing I can do but notate your intentions. If {$370.00} isn't paid by tomorrow, your car could be disabled. '' Which is it, {$370.00} or {$370.00}? When Credit Acceptance reps don't threaten to disable the car in an attempt to force struggling customers to make larger payments, the company send a repo agent to force even larger payments and suggests I " ask someone to help me. '' I was lucky to get {$640.00} from a friend in XXXX. I'm not as lucky this month. I believe this company repossess cars fraudently, and not in compliance with the laws or financing agreement entered into between consumers and the company. They're deceptive. I simply want more time to pay and a more reasonable payment agreement based on the change in my financial ability since losing the XXXX income and waiting for my 1st pay check once I start the new job on XX/XX/XXXX. Any help the CFPB can offer is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX19 an application was submitted at XXXX of XXXX on my behalf in error. Capital one has been notified of this error on SEVERAL OCCASIONS from myself, XXXX of XXXX AND all 3 credit bureaus yet they have failed to have the inquiry removed. This has negatively impacted my credit report and i shouldnt have to spend months of my time getting a mistake THAT I DIDNT MAKE corrected. The representatives at XXXX have been rude when I call, place me on extensive holds and disconnect calls NO ONE HAS EVEN CONSIDERED HELPING as a business THATS JUST TRASH!!! Ive sent letters as well but the fact remains XXXX has to fix the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a credit alert that a hard credit pull had appeared on my XXXX account. This was a fraudulent pull. Bank of America was listed as the inquirer, and I called them to get further information. I was informed that someone had tried opening a Bank of America credit card in Florida, a state I have not been to in years. I reported this fraudulent activity to both Bank of America and XXXX, but the hard inquiry is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment transactions of medical services is being reported illegally on my consumer report. Pursuant to 15 USC 1681a ( a ) ( 3 ) Restriction on sharing of medical information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am filing yet another report for the inaccurate reportings from the credit reporting agencies. I have ask them to provide proof of this inaccurate accounts. And they have failed to do so. Its been well over XXXX days. So at this point I am demanding that these accounts be removed for failure to provide the accurate information on these account. This is not a third party filing this complaint.
Product: Credit card or prepaid card

In XXXX I moved overseas to live and work in XXXX, XXXX. I lived there for five year and repatriated back to the XXXX XX/XX/XXXX due to COVID and death of parent. While I lived oversea, I was a victim of identity theft in the USA. I attempted to let HSBC know but was told there were charging off my account and told if I didn't pay a settlement my credit would be ruined. I tried to explain I lived oversea and used only my XXXX HSBC account and that the charges were not mine. I paid a settlement based on the amount I believe was closest to that truly owed, and to get the creditor off my back. Now that I know for sure this was ID theft and have filed FTC Identity theft and police reports, I have requested that HSBC remove the adverse comments, late payments and charge off statements on my credit and update the credit report to reflect good standing and paid as agreed.
Product: Debt collection

Subject : Response to Complaint Resolution and Request for Removal of Collection Entry Dear Absolute Resolutions Investments , LLC, I acknowledge receipt of Absolute Resolutions Investments, LLCs ( ARI ) response to my complaint. However, there are several concerns and discrepancies that remain unresolved. Due to ARIs non-compliance with federal regulations and inadequate response to my validation requests, I am requesting the removal of the collection entry from my consumer report due to the issues outlined below : Debt Validation : ARI asserts that it sent the required credit reporting disclosures on XX/XX/year>, and reported the account on XX/XX/year>. To date, I have not received any validation information or disclosures from ARI. Please provide the documentation sent on XX/XX/year>, including proof of mailing and a copy of the disclosure notice. Additionally, please include the detailed validation of the debt as initially requested. 

Charge-Off and Account Sale Details : According to your response, the account was sold to ARI by XXXX XXXX XXXX XXXX with a balance of {$1200.00}. I request a copy of the sale agreement or any documentation confirming the purchase of the debt by ARI, including how the account balance was calculated.

Disclosures and Reporting : You mentioned that the account was first reported on XX/XX/year>. As I have not yet received the required disclosures, it appears there has been a lapse in compliance with 12 CFR 1006.34 and other applicable regulations. Please provide evidence of compliance with the disclosure requirements before the account was reported. 

Certified Mail Receipt : Supply a copy of the certified mail receipt or any other proof indicating that I was properly notified of this debt, including my name and signature if applicable.

Request for Further Validation : As ARI stated that it will respond to my validation request through a separate letter, I expect to receive this validation promptly. Please ensure that the response includes all the necessary details as specified in my original complaint. 

Immediate Removal from Consumer Report : Given ARIs failure to provide proper debt validation and required disclosures, I insist that ARI remove the collection entry from my consumer report immediately. The reporting of this account without the necessary documentation and compliance with 12 CFR 1006.34 and 15 USC 1681s-2 ( a ) is unlawful. Continued reporting under these circumstances is a violation of my consumer rights and must be corrected without delay. 

Failure to address these issues and remove the collection entry from my consumer report within 15 days from the date of this letter will compel me to escalate this matter to regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these issues. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> approximately XXXX am I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX obtained cash from the ATM due to my regular ATM bank was down. I used my Chime debit card ending in XXXX to retrieve {$400.00} from the ATM. I dropped my debit card on the ground I went to pick it up and I did observe my cash being taken back in by the ATM. I then received an error message on the screen stating, " CASH BEING RENDERED PLEASE CONTACT YOUR BANK ''. I did ask the XXXX at XXXX XXXX for support. He stated he has no control over the ATM. I then contacted my bank CHIME. The representative stated they can not help me until my transaction has posted. I did then expressed my concerns being that it was XXXX XXXX weekend, and the delay will cause them to not believe me. The representative stated he will attempt to expedite my dispute when submitted. I then attempted to contact XXXX ATM at ( XXXX ). The female stated she can not inform me of this matter only my bank can contact XXXX to obtain the needed information to obtain my {$400.00}. The representative stated the terminal number " XXXX '' on my receipt in which my cash was dispensed and taken back in they will see the error message and also the ATM being over an extra {$400.00}. On XX/XX/year> I have summitted a dispute to CHIME bank and on XX/XX/year> CHIME bank declined my dispute and stated they can not support me. CHIME Bank did not offer a provisional credit or appeared to have called XXXX per todays conversation. CHIME bank appears to want me to do their diligence. The representative at XXXX stated today they will tell that the funds were not taken out the ATM by my terminal number and also from my error message. I am seeking support because my bank is not working to obtain my funds that was taken from me in error. They declined me in XXXX day and did not call XXXX to investigate my claim. It appears XXXX is supporting me more than my bank CHIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to XXXX XXXX ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called XXXX XXXX and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX and all they say is sorry it got there a day late.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a child support account on my consumer report. The account in question, identified by the account number XXXX, XXXX is being reported with discrepancies across XXXX, XXXX, and Equifax, as shown in the attached documentation. Due to these inconsistencies, I believe this account should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) and relevant case law. This account is also listed 3 times with the the same account number this can not be correct and each consumer agency knows listing this account this way is lower my score on purpose. This account should not be listed three times. 

The FCRA ( 15 U.S. Code 1681s-2 ) mandates that furnishers of information provide only accurate and complete information to credit reporting agencies. In this case, the child support account is being reported differently across multiple agencies. The inconsistent reporting violates the accuracy requirement of the FCRA. Specifically, the account shows different balances, statuses, and payment histories, which create confusion and result in an inaccurate representation of my financial obligations. 

Moreover, under Richardson v. Fleet Bank of Massachusetts, the court ruled that inaccurate or incomplete credit reporting violates a consumers rights under the FCRA. Since this account is not being reported accurately and consistently, it is imperative that this inaccurate entry be removed to avoid further damage to my credit profile. 

I respectfully request that you : XXXX. Investigate the reported inaccuracies in the child support account. 
XXXX. Remove the inaccurate entry from my credit report. 
XXXX. Provide written confirmation once the deletion has been completed. 

Please consider this a formal dispute under the FCRA, and I expect a full investigation and correction to be completed within 30 days, as required by law. I have enclosed a copy of my credit report with the disputed information highlighted for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Vehicle loan or lease

On XX/XX/year> I went to XXXX XXXX XXXX to update expired license plate, change address, get new license and tags due to state change from XXXX XXXX XXXX. They directed me to pay property taxes on vehicle and wanted to see copy of electronic title for verification. I called JP Morgan Chase and they proceeded to give me XXXX different stories. First they said they could provide a copy till end of business day and could not expedite my request even tho I was standing in XXXX and the lady at the counter said this is a simple request and the financer should be able to provide with no hassle. I tried to transfer to XXXX but they put me on hold and never returned. Then I called back and the next person said that the XXXX would have to send a request and they dont have my title but the XXXX XXXX XXXX has my title. I tried to again talk to XXXX and they proceeded to tell me that XXXX XXXXXXXX had to make request by fax. Honestly this was just a bunch of games they were playing. The woman at XXXX said she has never heard any of the sort and even went and got her XXXX and they told her that the financer should be able to send over with no problem. So I hung up and called XXXX XXXXXXXX and the lady in XXXX gave me exact info to give them to expedite process. Then I called Chase again and they told me it would be a month and it was a very long process and XXXX in XXXX will not get a copy. I want this company investigated for all the improper information being given to consumers. If you give your money and business to a company they should be thanking their customers for keeping their company goingnot yanking their cord when they are trying to get a simple matter taken care of. I am driving my vehicle with expired tags because of this nonsense I received yesterday and it could have been taken care of easily by sending a copy of my title electronically when I first requested it. At the very end I had to leave the XXXX because they were closing and I continued to talk to these people at JP Morgan Chase and the guy who claimed he was a supervisor wanted all my information to verify who I was including my ssn and wanted me to dictate every single letter in my address and then finally at the end said he would send a copy of my title to the XXXX sc. What the heck? So now today I have to go back again to the XXXX to make sure they received a copy of my title or play more games with Chase. I will never do business with Chase again because of this and I want their processes audited and their employees investigated for improper information and playing games with their customers.
Product: Debt collection

Choice recovery is attempting to collect an alleged medical debt in the amount of {$190.00} from XX/XX/2012 which is beyond the statute of limitations for debt collections in the state of Ohio which is 6 years. It is now past that. I demand that this item be immediately removed from all 3 credit bureaus on my credit report as it is negatively affecting my credit. You have 15 days to respond with removal or I will proceed with legal action.
Product: Debt collection

Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies Dear True AccordXXXX, I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly to you or to the credit bureaus. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I demand that True Accord report to XXXX a paid in full balance as where XXXX can report to all 3 credit bureaus updated status. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Errors exist on my credit report in relation to 15 USC 16c-2. The inquiries listed were not sanctioned by me and are hurting my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a priority mail letter to Experian to remove an inquiry that was made on XX/XX/2022. This inquiry was not a permissible purpose in pulling my credit without a firm offer of credit. 
I requested to delete this inquiry in an effort to maintain an accurate credit file and reflect my creditworthiness. 
This is a clear violation of the Fair Credit Reporting Act.