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

On or about XX/XX/XXXX, I placed an online order with XXXX XXXX XXXX in the amount of {$110.00}. A couple of days after I discovered the merchant was attempting to defraud me with their delivery claims. Since the merchant was unwilling to assist or rectify the issue, I initiated a chargeback with Citibank, the issuer of my credit card. 

On or about XX/XX/XXXX, Citibank posted a provisional credit of {$110.00} to my account pending investigation of my chargeback. 

Roughly one week later, XXXX XXXX XXXX was able to adjust the order to ensure it was delivered in line with their original delivery claims. Accordingly, I submitted cancellation of the chargeback to Citibank both online and via their customer service representative. I have e-mail confirmation of this fact. 

On or around XX/XX/XXXX, Citibank debited my account for the {$110.00} provisional credit given to me when I initiated the chargeback that I subsequently cancelled. 

Negligently, Citibank failed to really cancel the chargeback per my instructions. On or about XX/XX/XXXX, Citibank decided the chargeback in favor of the merchant and yet again debited my account {$110.00} as a result. They backdated that debit to XX/XX/XXXX. 

Citibank owes me {$110.00} and I want that money credited to my credit card account.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a notice from Mariner Finance in XX/XX/year> that I was delinquent on a loan payment. A live check was cashed or deposited on XX/XX/year> with my name and address that initiated a loan in the amount of {$4000.00} and the amount had since ballooned to {$5100.00}. 
There were 5 live checks that were fraudulently cashed or deposited in 2023 using my name, address and a forged signature. I filed a police report with the XXXX Police Department in XXXX, Texas. Mariner Finance refused to give me a copy of the check that initiated the loan and simply closed the account and placed a derogatory remark on my credit report, listing the loan as bad debt.

If given a copy of the check that initiated the loan, I can prove that the signature is not mine and someone merely ran my credit report to fill out most of the information on the check using home and work phone numbers that I have not used in more than 10 years.
Product: Credit card

I obtained a credit card from Macys in XX/XX/XXXX. The credit card has been active until today ( XX/XX/XXXX ). Approximately 45 days ago, I received a letter in the mail from Macys, informing me of a " credit card protection service '' that I was enrolled in. That was the first time I heard of the enrollment. So I attempted to call the phone number provided as well as attempted to visit the website, however, I was unable to reach them. So I contacted Macys customer service who transferred me to this department. I informed them that this was the first time I was made aware of this and I wanted it stopped immediately. Additionally, any charges made to my account needed to be refunded because this was added to my account without full / appropriate disclosure. They immediately canceled it and indicated that they would submit a request for " investigation '' and I would receive a response within 30 days. This activity occurred on XX/XX/XXXX. Today, XX/XX/XXXX, I contacted them to follow up on my refund ( which should be a little over {$500.00} ). They informed me that they did not see the refund in the system and they needed to resubmit the request to the investigations department and I would need to wait an additional 30 days. I requested a transfer to the investigation department and they indicated that they were not able to transfer me, there was nobody I could speak to in order to resolve this issue and there was no escalation process. The person I spoke to was XXXX - the manager on duty. So, not only are they denying my refund for something I was enrolled in without my knowledge / full understanding / full disclosure, they have not provided a clear mechanism for which to address this issue.
Product: Money transfer, virtual currency, or money service

I found XXXX, XXXX pesos bills while cleaning out my garage. I didn't know where to exchange them or their worth and asked several people. I was told to try BBVA. I went to one branch and was told they would exchange the pesos at 19 %, approximately  {$1500.00} US dollars, but only if I had a checking or savings account. I was told by a teller that I had to have a {$25.00} deposit to open an account and the pesos would be exchanged and the funds would be deposited into that account. I left that branch to think about it. After a couple of hours, I went to a different branch closer to my home and was told the exact information from two tellers. I opened a savings account and received a receipt for the pesos with the buyback quoted at XXXX. The next morning, I received a phone call from the bank stating that I wouldn't receive the exchange. I was told that the two tellers at the second branch and the original teller all made a mistake and I could pick up the pesos and I could keep the account I only opened to exchange the pesos open. After I questioned why I was told the pesos could be exchange if I opened an account with a {$25.00} deposit, I was told the account could be closed at no charge or fees. I feel that I was scammed into opening a savings account and mislead. I have a receipt with the quote for the pesos at an approximate amount of {$1500.00}, which is what three different tellers at two different branches told me, and now the bank refuses to exchange them. The receipt does say the rate quotes are subject to change and are only an indication rate. But the rates didn't change. I gave the bank my money to open an account I didn't want and told to pick up the pesos. After arguing with the branch vice president and president, I was told I would be called back the following day. I have been playing phone tag with them since. I feel that this is a serious and important issue and that I'm being ignored and swept under the rug, hoping I'll go away. I would like the account I never wanted closed, my {$25.00} returned, and an explanation for why the bank won't honor a collection receipt for the exchange of the pesos, as promised by the three tellers.
Product: Debt collection

Portfolio recovery agreed to delete account number XXXX after I settled with them and paid {$500.00} to settle the debt. The debt is still on all XXXX of my credit reports ( XXXX and XXXX ) as a " paid '' collection. This is not what they agreed to do, they agreed to remove it completely if I paid the {$500.00}, which I did. That money was very hard to pay, I am a XXXX veteran and I scraped our last money together to give to them and they did n't do what they said they 'd do.
Product: Consumer Loan

My husband and i financed a XXXX Honda accord we were able to payoff the loan early this loan has been paid in full since 2013 we paid a fee for the title of XXXX when we received the letter of release and the title we noticed the title still has a lien holder listed on it. after speaking to Honda financial several times we were told we had to pay the XXXX again to have the lien holder name removed. we feel if we already paid XXXX for a title why should we pay a second time especially considering they made the mistake with a lien holder still being on the title
Product: Mortgage

I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with XXXX XXXX XXXX XXXX. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. BB & T was the first. We are  now working with BB & T to try to close this short sale. BB & T has a XXXX XXXX, XXXX foreclosure date. XXXX is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting BB & T to move the foreclosure date out so that a reasonable closing can be processed. I could also use help getting XXXX to settle this loan with BB & T. 
XXXX is at XXXX XXXX XXXX XXXX, Va XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documentation to Transunion they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this is my actual debt
Product: Vehicle loan or lease

I don't know if you'll help me I know you could find it if you looked it up. We had bought a truck XXXX and our payments were {$350.00} I was at work but we had paid it anyway my roommate called me and told me that they were there to pick it up I told him not to let them because I had the receipt that I had paid it and they would not listen they just reported anyway we never got the truck back and then a few days later they send us a refund for the {$350.00}
Product: Checking or savings account

I am XXXX. I requested several stop pays on XX/XX/2020. I followed up via secure messages and XXXX calls. My timely notice to place the stop pays was ignored. On XXXX, three entities made off with approx {$800.00} of my money which caused numerous overdrafts. Only after the stop pays were finally placed after a 3 hour hold phone call did chase charge me ( without notice or advice to change account numbers ) {$30.00} PER entity named in the stop ACH request, not {$30.00} for placing an account stop pay as I was led to believe. An advisor should have suggested getting a new account number!!! They charged me $ 300+ in fees to shield my account while my income is reduced. Further, this resulted in a cascade of {$34.00} overdraft fees - untold in number, approximately {$700.00} in fees. So I had my money stolen because chase ignored my request ( {$800.00} ), was charged $ 300+ in stop pay fees that didnt even work and I wouldnt have agreed to had an advisor told me the scope of fees and other alternatives, and then another {$750.00} or so in fees for using my account as normal. I want a refund for approximately {$800.00} in the 3 transactions I stopped in a timely manner, and all the fees chase charged me when they ignored my repeated requests for over 10 days! The fees alone are $ 1000+! I can not and will not be able to bring my account current until this is resolved. I am a protected class and I believe chase discriminated against me due to my XXXXXXXX, refusing to service my account in a way that I had access to ( secure messaging ).
Product: Vehicle loan or lease

I processed a payment online for my BMW and they gave me an ERROR when i submitted the payment initially and when i went back to see what occurred the payment said failed to process and did not gave me a confirmation. I did the same process again and this time it worked and gave me a confirmation but i noticed a few hours later that my banking app showed 2 deductions of {$1200.00} so I called BMW and they said NO we only charged once. I thought it would clear itself up next day but it didn't so i called my bank and reported it because they saw that it was 2 deductions indeed!

I called BMW again and this time a guy told me yes, there was indeed a double charge and i had to email them PROOF, which i did RIGHT AWAY. 9 begged them to hurry because they literally tool tqo payments at once! At a horrible time like this this has devastated me and I have been unable to make my other bill payments because of them! Im so FURIOUS as I have written 3 emails to that same department and NO ONE at BMW is getting back to me and no one at XXXX XXXX XXXX XXXX or BMW has RETURNED MY MONEY!!!! I am literally living on the few hundreds bucks i have left, shame on you both! No one has reached out or responded and I was told that it would be hurried because I expressed that this was NOT my fault and two deductions were NEVER authorized!!
Product: Debt collection

The last representative from this debt collection office referred to me as " him and his '' in her response to you, consumer finance. If she did her investigation properly she would know that I am a woman and not a man. These representatives keep stating they welcome me to call but when I do, they do not try to work out an arrangement to get this settled. I was in a payment arrangement and due to me being on XXXX, my income is very limited. I had ONE payment that did not go through because I did not get paid from California XXXX. I had to have my XXXX  send in the necessary paperwork to extend my XXXX due to that I am XXXX XXXX XXXX XXXX. That took about a month ... XX/XX/2019, before I started receiving money again. I told the debt collection representative that I would call and get the payments back on schedule once I get paid. However, they turned my account into the 3 credit bureaus without giving me any warning or chances to keep this from happening. The did this XX/XX/2019. They hastily did this to damage my credit and force me to pay an amount I do not owe. Every representative that has responded, their statements are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

In accordance with the fair credit reporting act XXXX acount # XXXX, has violated my rights.
Product: Debt collection

This XXXX i receieved XXXX phone calls from seperate numbers [ ( XXXX ) XXXX, ( XXXX ) XXXX ) ] and seperate people claiming to represent a company called Legal Recovery Solutions. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " XXXX XXXX ' XXXX '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from XXXX XXXX XXXX had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
Product: Bank account or service

I consolidated a previous loan I had so I could get a lower interest rate. When they paid off the original loan they typed in the wrong amount and it ended up leaving a balance on the original loan. I had received a letter in the mail telling me they had to reopen the original account because there was a balance due. This happened in XXXX 2014. When I brought it to my bankers attention he said he would look into it. My calls were being ignored and I kept getting the run around. When he found out what happened he told me I would have to pay the balance off and I said no I was n't because it was their error not mine. This is still not settled and has been going on since XXXX. I also filed a complaint with the XXXX in XXXX. I recently sent documentation with my last response that showed it was their error. They still insist I am in the wrong which I am not.he new loan was set up with auto pay. My payments have been on time with sufficient funds to cover each payment. 
On XXXX XXXX I had more than enough in that account to cover the payment but they only took a partial amount on then XXXX and said I had insufficient funds. From that point on it has been a nightmare. This is causing me great frustration and stress. 

If there is anything you can do to help me I would be so greatful. 

Please contact me if you need anymore information. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXXXXXX XXXX XXXXXXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 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. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

a charge for {$79.00} from XXXX on XX/XX/XXXX. i called discover card customer service on XXXX to dispute the charge. they agreed to do so on XXXX but did not. on XX/XX/XXXX they agreed to reverse charges and did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/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, XX/XX/XXXX 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
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for and was approved for a Care Credit account at a XXXX XXXX XXXX called XXXX XXXX XXXX XXXX is XXXX XXXX, NY. My dog had a XXXX procedure in which the pet center offered a 0 % interest account for 6 months that I could have the {$940.00} medical expenses charged to. At no point did the representative at the pet center explain that the interest fee period would be applied retroactively, or what they call deferred interest, to my account after XX/XX/XXXX if I did not pay the entire balance before that date. There were no written disclosures provided to me when I applied for and accepted the account. All I was given was a digital device to sign my name. After I was approved and the medical procedure was charged to my account, I signed up for an online account so that my monthly payments could be automatically debited from my checking account. In around XXXX or XX/XX/XXXX, I noticed that my online statement had a {$140.00} interest charge. I immediately called Care Credit to inquire as to what this very large charge was for. It was then that I was told that my 0 % intro interest free period had ended and that all the prior months had now been charged with interest. After I was very upset to hear this, as it was the first time I was being disclosed this information, the representative offered to waive all the interest if I made a payment to pay off the entire balance. I did not have enough money at that time to pay the entire balance of almost {$900.00}. Today, XX/XX/XXXX, I called to offer to pay the entire balance if they would waive the interest as was offered to me last time I had called but I was told that was a one time offer and no longer available. I argued that I was never given the proper disclosures at the time I applied for and accepted this account - that if I had been properly informed that there this account involved deferred interest, I would have never opened this account and would have used any other leading bank 's credit card who offers 0 % interest free periods without deferring the interest and applying it retroactively. I spoke to a supervisor who told me that the disclosures were given to me in my first statement. I explained that this is unacceptable and not compliant with federal law as the disclosures were required at the time I applied and agreed to open the account - not after the fact. 

I believe this company and its product is predatory to those who are in financial distress facing medical issues. The terms of the product and this companies ' practices are unfair and deceptive.
Product: Checking or savings account

Contacted Bank of America numerous times via phone calls and through you under complaint # XXXX and XXXX about an unauthorized electronic payment for XXXX. This transaction was debited on XX/XX/2022 on my Bank of America checking account. I received a call from a Bank of America representative two weeks ago assuring me that I would get a response within the next three days. This did not happen. I have had medical issues [ XXXX XXXX, XXXX, and XXXX XXXX ] and this is elevating my health issues.I am XXXX years old and sustain life on XXXX XXXX XXXX.I can not believe how I am being treated like a criminal. I have been banking with Bank of America for many years. My XXXX XXXX funds are direct deposited to my account with them. I do not understand why Bank of America is not giving me back the money even after XXXX has indicated that they can not refund me money that my Bank is holding in a suspense account. XXXX advised that they had no problem refunding me the money, but the money was charged back on their bank account.