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

I opened a billing dispute for {$1000.00} with Citibank Credit Card XX/XX/XXXX, paid to merchant, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for a 11 carat stone they advertised and sold to me as a natural ruby. I opened the dispute with the credit card after trying to contact the merchant by phone, XXXX message and by email XX/XX/XXXX upon learning the stone was a composite, a fake and receiving no response. Citibank provided no instructions regarding the dispute until they closed the dispute the first time and advised me to return the item in order to pursue the dispute further. Upon this instruction, I returned the item, provided proof of delivery made on XX/XX/XXXX and waited until XX/XX/XXXX to learn that Citibank takes the position that the charge is valid since the merchant will not accept the return. I therefore have paid {$1000.00} for an item that is not in my possession. The merchant has kept the money and their product, and Citibank has again closed the dispute.
Product: Vehicle loan or lease

unarthorized application for financing to several finance companies from automobile dealer. I already have XXXX finance company listed on bill of sale.
Product: Checking or savings account

I am writing in to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have occurred despite having sufficient funds when transactions were authorize. I was charge fees due to late posting of charges and credit this issue allows with the current XXXX finance against Navy Federal for similar practices transaction settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Received collection notice from mandarich law group. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both transunion and equifax. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both equifax and transunion. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, Its truly fascinating that in XXXX, companies like XXXX XXXX XXXX XXXX still seem to have a creative interpretation of what constitutes verification and proof of debt under federal law. Im writing, once again, to highlight the blatant disregard for consumer rights that XXXX XXXX XXXX has demonstrated regarding an alleged charge-off that is still haunting my credit report. Lets be perfectly clear : this is a demand for accountability and action, as XXXX XXXX XXXX has failed to produce legitimate proof that this debt, particularly one tied to alleged mileage overage charges, is in any way mine.

To begin, I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) where is the documented proof? Where are the itemized charges? The wet ink contract with my actual signature? Or did they perhaps forget that the law doesnt allow them to charge-off debts they cant properly verify? Im waiting for somethinganythingthat remotely resembles legitimate proof of this debt. 

But instead, what do I get? A repeated charge-off still lingering on my credit report, yet XXXX XXXX XXXX continues to collect mileage overage fees. Thats quite the double-dip, isnt it? I mean, charging it off for accounting purposes ( to perhaps secure a tax write-off ) while still benefiting from their collection efforts. If this isnt a text-book example of financial sleight of hand, I dont know what is.

Let 's talk about their ongoing violations of my right to privacy. According to Title 15, U.S.C. 1681b, they are bound to ensure that any access and reporting of my private credit data is accurate and legally authorized. Failing to remove this unverified and dubious charge-off is a clear violation of my consumer rights. So let me remind XXXX XXXX XXXX that each violation of the FCRA entitles me to {$1000.00} in damages.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received confidential mail that was addressed to another customer of CitizensBank. Copy attached.

This is a violation of the privacy of these customers. When I reported it to XXXX, in the office of the Chairman of Citizens Bank, she said ooops and asked me to send it back. Just last week, she sent a XXXX  addressed to me ( which she said contained a label so I could return the other customers mail ) to an address that I have not lived at for 5 years. When I contacted her about that, she said ooops again. I have no idea what personal information of mine was in that XXXX, who opened it or where it is. This is a violation of my privacy.
Product: Credit card or prepaid card

My original complaint is # XXXX. This has still not been resolved. As a matter of fact I still have not spoken to anyone at B of A other than XXXX XXXX. She called me on XX/XX/XXXX to make sure i was the one who filed complaint and said someone would be calling me to talk to me about it. Well on XX/XX/16, a man named XXXX called, and left a message for me to call him at the same number from my original complaint. I called and just like every other time, couldn't get anyone on the phone. I have now sat on hold for 29 hours trying to get this taken care of and still have never spoken to anyone. This fraudulent charge was made to my account on XX/XX/XXXX, 2020. in the amount of XXXX I started calling on the XXXX to resolve this to no avail.
Product: Debt collection

Original Creditor - XXXX XXXXXXXX XXXX XXXX 
Collection Agency - Midland Credit Management Date opened XX/XX/2020 Balance - XXXX This is fraud I have never heard of XXXX XXXX XXXX Linked information to fraud card XXXX XXXX XXXX XXXX XXXX, Utah XXXX Midland would not disclose the phone number liked to the account but confirmed that it was not my number. 

I have lived at XXXX XXXX XXXX XXXX Utah my entire life and never have received anything from XXXX XXXX or midland credit management. 

I was first aware of this fraud a year ago when applying for a loan at XXXX XXXX XXXX XXXX, I did not have the means nor knowledge to dispute this until of now. 

Most importantly I was Incarcerated in XXXX County Jail prior to XX/XX/2020 My email is XXXX My number is XXXX
Product: Vehicle loan or lease

I just recently closed out on a XXXX loan with credit acceptance for a XXXX XXXXXXXXXXXX XXXX  I purchased from XXXX XXXX in XXXX, Connecticut. This loan was not advertised at 19 %, nor was I told at the end of the loan I would pay XXXX for a XXXX car. This caused a lot of pain, turmoil, hardships, fallouts with my mother, and excessive XXXX  loan borrowing to avoid repossessing my car. I tried everything from paying more each month to paying my vehicle note in half every two weeks to decrease the principal. Nothing seems to work. I was still faced with harassment calls from credit acceptance, and I was also told this was an annual loan, but this loan seemed to acquire interest daily. By far the worst experience on an auto loan ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which Wells Fargo rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.
Product: Student loan

On Wednesday, XX/XX/XXXX, I contacted Edfinancial. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would take up to 12 months. Throughout the pandemic I made almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just XXXX hours later makes me very concerned that this company does not have our best interests at XXXX.
Product: Debt collection

I received notification of a new debt collection on my credit monitoring service. I never was given the opportunity to dispute or verify if debt belonged to me.
Product: Debt collection

General Revenue Corporation sent me a letter on XXXX stating I owed them for a tuition bill for XXXX XXXX University. I wrote General Revenue a letter informing me that I never attended XXXX XXXX or try to attempt to attend XXXX XXXX. I requested General Revenue Corporation to send documentation that I agreed to attend or any contract with my signature. General Revenue only sent me an invoice on XXXX. General Revenue do not have any documentation to hold me accountable for this account ( account number XXXX ). General Revenue has violated the Fair Debt Reporting Act after I contacted them and inform General Revenue this account does not belong to me. Please keep in mind, I never step foot on XXXX XXXX University campus. After graduation, I got a job to help my family to stay afloat after the passing on my grandmother. General Revenue has made it hard for me emotionally. I need this negative account gone from my credit profile
Product: Credit card

On or about XX/XX/2023 I paid the entire balance of my Capital One platinum and Capital one XXXX card off. Totaling about XXXX for both. I applied for a mortgage in XXXX of 2023 and by XXXX, it was time to go to the next step. I had been saving money so that I could pay my bills from my XXXX account so as to not disturb any funds I was saving for my closing costs. Normally, I go on Capital One app and use XXXX of my bank cards to pay my bill. However, since I was using XXXX, I had to pay with that. I tried to put the numbers in but got a response that card was not accepted. So I went to XXXX 's page where they have your account number and routing number and I entered that for my payments. A couple of days later I realized the money did not come out of my account. I looked on the Capital one app and saw the payment was returned. I had no idea why, but just paid out of my closing funds immediately. The next day my accounts were marked restricted. I called to ask why and they said they do not tolerate that type of business or some rule they read to me. I explained what happened that I had no idea you could not use XXXX 's routing number and account number to pay a bill. It's offered to you by XXXX, and that when I realized i rectified the situation immediately. In the middle of my mortgage they closed my account and deemed it at capital one 's request. This company has put a stain on my credit report and reputation because I tried to pay them out of XXXX. Note - I have NEVER paid late and almost always paid the entire balance before the due date. On my credit report before it says " accounts closed '' it says exceptional payment history. I do not want another card from capital one, but I want an apology and the stain removed from my credit and reputation. Luckily, after writing a letter to my underwriter, I was approved for the mortgage. But was recently turned down for a credit card and I know it's because of XXXX XXXX. Please help me.
Product: Credit card or prepaid card

I made a drive thru deposit for my credit card balance at XXXX branch on XX/XX/2023. In the same transaction, I put in {$580.00} and $ XXXX amount of cash into the ATM machine. But the machine took the money and failed to deposit the funding to my account. It provided a informative receipt only.
Product: Credit card or prepaid card

I purchased shoes from XXXX XXXX XXXX XXXX in XXXX via online. 3 out of the 4 pairs did not fit. I went to the store to return them on XX/XX/2022. Instead of refunding my XXXXXXXX XXXX XXXX XXXX XXXX  ( which was what I purchased it on. ), it was refunded on my XXXX card. I'm not sure how that happened because I gave the cashier the packing slip. However, I did received a refund of XXXX. 
When my bill came in, I only paid for the 1 pair of shoes I kept. My XXXX bill still did not show a credit ( obviously ) so when I called, I only asked that the shoes be removed. They can see that I already received a credit and I already paid for the shoes I got. However, the company XXXX Comenity Bank ) could/would not just remove the charge. I do not want to pay for items I've already returned. One associate told me to issue a dispute. When I tried, Comenity 's site went down for " routine maintenance '' and has been down for the last week. You can not call or access the website. How is this good customer service?
Product: Credit reporting or other personal consumer reports

Capitol One Savor called around XXXX to let me know they were closing my account for no reason that could be disclosed to me. I asked what was the balance and paid IN FULL. Fast forward I see it is being reported as multiple late payments and it was told to me by a supervisor that their representative made a mistake and processed the amount for XXXX less which cause my payment to default and they still have not cleared this mistake they made off my credit report.
Product: Money transfer, virtual currency, or money service

There was no confirmation if i was sending it to the correct person on zelle
Product: Credit reporting or other personal consumer reports

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. THE CREDIT REPORT SHOWED CREDIT INQUIRIES BY DIFFERENT COMPANY THAT I DID NOT AUTHORIZED. 
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 XXXXALLY FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my complaints and disputes regarding inaccuracies in my credit report. Despite my submissions, I both XXXX and Experian consistently responded within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of the disputes. Furthermore, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure both XXXX and Experian complies the federal law and provides consumers with the necessary proof of investigation. The following accounts I have reported are : Carhops and AutoNations Car Repossession, as neither dealerships gave me a deficiency notice yet reported to my credit as that is against the Fair Debt Collection Practices Act ( FDCPA ), recent credit pulls for inquiries about car loans, and loans from school as they shouldnt be sent to any collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts on my credit report
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : XXXX XXXX XXXX XXXXXX/XX/XXXX ; CXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX  XXXX XXXX XXXX so that I can file my taxes accordingly. This Pathways account is reporting inaccurate adverse information. Also, US DEPT OF ED/XXXX has taken over ownership of account # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract.
Product: Debt collection

The company left a voicemail on my wife 's phone threatening to show up to my home or job. When I called they threatened me with garnishment and judgment. This is the first time we have heard from this company. We have not recieved any Initial Demand Letters.
Product: Checking or savings account

I am writing regarding a dispute I filed with Bank of America on XX/XX/XXXX, XXXX of today, more than 45 days have passed, and I have not received a resolution or meaningful update regarding the status of my case. 

The dispute pertains to a product I didnt receive. with a total amount in question of {$1700.00} I have I have not received any updates when stated on Bank of America they have up to 45 days. 

Under the Fair Credit Billing Act ( FCBA ) and applicable regulations, I understand that disputes should typically be resolved within two billing cycles ( not exceeding 90 days ). I am concerned that this delay violates my rights as a consumer and is causing unnecessary stress.

I kindly request : 1. An immediate update on the status of my dispute.

2. A timeline for resolution.

3. Documentation of the steps taken so far and what further action will be taken.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection Act ( CFPA ). Specifically Cash App failed to take effective measures to prevent and address fraud on their platform, making my account vulnerable and unprotected. Also there dispute resolution process was unfair and deceptive as they didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These action have caused significant inconveniences and financial losses and I am seeking appropriate compensation and redress for these violations and crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call onXX/XX/XXXX, XXXX, US Bank employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As of XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX, balance reported by US Bank for period ending XXXX is {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both US Bank and XXXX. Both state the other company is disputing the account or originated the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/18 and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day XXXX was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX XXXX XXXX XXXX a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX XXXX XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.