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

i have not recieved one payment or settlement they had control over my email ssn phones i just got acess back
Product: Credit reporting or other personal consumer reports

ACCEPTED FOR VALUE, EXEMPT FROM XXXX AND HONOR EXEMPT FROM XXXX, DEPOSIT TO UNITED STATES TREASURY WITHOUT PREJUDICE U.C.C 1-104, PUBLIC POLICY XXXX, TITLE XXXX SECTION 8, U.S.C 3123, U.S.C 5103, HOUSE XXXX XXXX XXXX XXXX XX/XX/year>, ARTICLE XXXX CLAUSE XXXX CONSTITUTION UNDER XXXX & XXXX AMENDMENT, U.S.C TITLE XXXX PART XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LAW, ADMIRALTY LAW, TRUST LAW, COMMON LAW JURISDICTION & XXXX
Product: Credit card

I am following up on my case number XXXX. 

I received the attached letter from Citibank. They claim that they deny my disputed charges because I did not notify them within 120 days that the merchant had failed to provide the services I paid for. This is demonstrably false, given the documents I submitted, and their own handling of this case. 

A recap of my dispute appears below, taken verbatim from my letter to Citibank of XXXX XXXX, 2016 : " I purchased XXXX oil change packages for our cars from XXXX XXXX XXXX. They were for XXXX premium, synthetic oil changes each. XXXX package was for our Honda, the other for our Jeep. 

Before I could get all XXXX changes, they went out of business. I wish to charge them back for the oil changes that were not provided to us. We are still owed XXXX changes for the Honda, and XXXX for the Jeep. Per you customer service representative, I am providing copies of our credit card statement, as well as the original sales invoices for both transactions. Please note, this card was canceled due to a fraud alert. It was replaced by XXXX card number XXXX XXXX XXXX XXXX. 

The total charge for the Honda was {$270.00} ; the balance due us is XXXX changes, XXXX % of the total, or {$100.00}. 
Total charge for the Jeep was {$220.00} ; the balance due us is XXXX changes, XXXX % of the total, or {$130.00}. 

The total we should be refunded is the sum of both, {$240.00}. '' Citibank actually issued a conditional credit for the Honda oil change of the amount in dispute, {$100.00}. This obviously calls into question the entire idea that I did not make my dispute within their 120 day time frame. 

Based upon the above conditional credit for the Honda, I continued to dispute the charge for the Jeep, which led to opening CFPB case number XXXX. Citibank has displayed bad faith in handling this dispute. They have required me to resubmit my dispute and other documents as many as six times, alleging that they had become " lost ''. This is questionable, as after the first " loss '', I began submitting my information via email to their dispute department with copies to myself. 

Citibanks'claim that I did not dispute in time is contradicted by the fact that I submitted my dispute as soon as I was denied the services I had paid for. 

The background to the denial of services is that XXXX XXXX XXXX sold their business to XXXX and made no provision for the services they still contractually were obligated to me for. 

I am attaching a copy of Citibank 's letter of XX/XX/2016 denying my dispute alleging that I did not submit the dispute within their arbitrary 120 day time frame. The above proves the specious nature of this claim. 

I encourage the CFPB to closely examine the abusive nature of Citibank 's handling of this case. Their claim to have lost multiple documents multiple times is an insult to, and an abuse of the American financial system.
Product: Credit card or prepaid card

I disputed 8 charges from XXXX and their servicer XXXX. I had repeatedly tried to resolve with XXXX and XXXX prior to being forced to file disputes. This was for dental appliances that were never received, they cancelled the processing but still billed in error thinking they had manufactured them. Capital One has reinstated erroneous charge to my card. This is despite providing overwhelming evidence that the charges were erroneous. XXXX has since admitted the charges were erroneous. They clearly state in writing it is an error and they have directed their servicer XXXX to refund all charges. It has been very difficult with Capital One. I was supposedly working with executive relations but yesterday " XXXX '' informed me she was making a credit permanent but in fact did the opposite and reinstated 2 of the charges on my bill. I disputed these charges and Capital One closed my card and issued a new one saying it would block future charges from the merchant but they immediately allowed 2 more charges from the merchant on the new card and then that card had to be cancelled. I uploaded proof that these charges were erroneous including correspondence from XXXX saying their charges were in error and that they had asked XXXX to give a complete refund. Capital One has this documentation and clearly it is undeniable these charges are not legitimate. Despite this they have reinstated the charges to my account. 2 charges as of yesterday. I spend hours getting the runaround from Capital One. They give completely conflicting information. You are dealing with people working from home with people in the background. The TV on and dogs barking. It is so not secure anyone apparently can be in the room while they are accessing your info. Where are the security measures! As my card issuer I am supposed to be protected from erroneous charges. Capital One despite the evidence and despite being told to block additional charges are refusing to help and saying there is nothing more they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I was shopping at Victorias Secret and the associate tried to talk me into applying for a VS credit card. I said NO, because I did not want another hard inquiry on my bureau. She told me it was only a soft inquiry. When I went to check out, I asked a second associate to confirm that the credit pull was soft vs. hard. She also confirmed it was soft. I said IF that was the case I would apply. No application was presented to me prior to applying ; therefore, there werent even terms and conditions to review, which would typically state something about the credit inquiry. They took my drivers license and opened the account. No signature required. The next day I received an alert from XXXX that they DID perform a hard pull. I am absolutely LIVID!!! Basically, I was mislead into opening the account. The account was opened with Comenity bank/Victorias Secret. Based on the misinformation provided and lack of authorization to pull hard inquiry, I want this inquiry changed to soft or completely removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from XXXX 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from Equifax dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with Equifax as being a XXXX  account, with also the name XXXX  XXXX   attached to it. Now, it is on this report showing no mention of XXXX ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report. Here only XXXX  XXXX  is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing XXXX XXXX XXXX!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XXXX. This XXXX or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that XXXX from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut XXXX and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by XXXX. On Thursday XXXX I called the resource center ( XXXX ) at XXXX  XXXX  and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX  XXXX  does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX  XXXX  look up also shows XXXX  XXXX  has no association with this illegal foreclosure " account '' on my home. XXXX attorney also claims to be representing XXXX  XXXX  ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY XXXX!!!
Product: Checking or savings account

I continue to have issues with my primary checking account at USAA. I deposit and withdraw/ pay bills via this account. USAA does not have many brick and mortar facilities at all and NONE in XXXX/ XXXX XXXX. They have chosen to save money by utilizing the mobile deposit feature. They allow you to access funds immediately if you have built up a certain credibility with their firm. I have. I have been a member for 12 years. I deposit and withdraw a great deal of funds and on a frequent basis. I own a small business which utilizes credit cards in my name. I pay them off on a monthly basis, but I get reimbursed by my firm. I deposit a check and then pay them off frequently. 

A few months back, USAA mysteriously removed my access to my account. I was livid. I couldn't see or do anything with my funds. They didn't give me a reason after talking to a couple of people. I told them that I frequently deposit $ XXXX ( which is their limit ) checks from my company. This might have raised a red flag. They never confirmed anything, but after 3 days I was able to access my account. 

Now, last Friday, XX/XX/XXXX and two Fridays prior on XX/XX/XXXX, I deposited $ XXXX each. Both times a large portion of my funds were restricted for a week. I called in furious because this has not happened to me before. They stated that it was because of insufficient funds. Well, I received that notice 4 months prior ( and after depositing many other large checks in the interim ). The only reason I got that notice was because I deposited a check and then paid a bill and the timing on USAA 's part caused the NSF. Crazy! I can not believe the US still takes several days to settle funds. That is archaic. 

Anyways, the first time i called in the rep was able to get my funds released. Today, I got the run around. First, they said it was impossible. I told them that the prior rep was able to do this. I was not happy. They finally conceded that the rep shouldn't have done that and they continued to refuse my funds. I worked with XXXX and a lady that has a name that starts with a 'Z '. 

This seems to be arbitrary and discriminatory. As a minority who has done well for himself, but had to go through a lot of discrimination, this reeks of 'we like him/her and don't like him/her '. This is redlining at its worst.
Product: Credit reporting or other personal consumer reports

The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am including a copy of a recent FTC report, I ask that these accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Product: Mortgage

After completing a trial modification with Chase, we applied for a modification on our mortgage, got approved for a certain amount, then began receiving bills for a different amount. In calling Chase on several occasions, I was told to disregard the bills as they were incorrect and to disregard any other communication as it was all computer generated and my agreed upon amount was " internal ''. In working with XXXX XXXX XXXX, we decided to call Chase to find out what was going on and what is the status of our mortgage - what we owe. After a two hour conversation with several folks, on XXXX/XXXX/16, I was finally referred to the department that was handling my modification. My handler was unavailabe, and messages from Chase were left for him via email and in person. I have not heard anything from the handler of this mortgage, and have not heard anything from this person in months. Other handlers at Chase would call on a regular basis - to keep me/them, updated on my mortgage as if was processed thru several departments. I do not know where I stand on my mortgage. I have asked for help from Chase and have not received an answer. I do not know if I really got a modification at all. I asked if I did not get a modification, could I apply again and I was told " not for a year '', yet I have paperwork dated XX/XX/2016 that I was preapproved to apply. I also asked for a cut in my interest rate, which is high at XXXX %. I want to begin my mortgage payments and to have a modification, but I feel my case has been mishandled and I would like help. My husband and I are both XXXX, over XXXX, and work part of the year, and are on social security. I am not pleased with the current handling of my mortgage situation by Chase.
Product: Debt collection

Send Company a validation of debt communication XX/XX/2019,  certified. Did not receive validation of debt but did receive a communication XX/XX/2019 stating that 30 days was an insufficient amount time to properly investigate this dispute. Accordingly they would cease collection efforts, yet never delivered validation of debt continued to report to the 3 bureau 's and have yet to indicate consumers disputing of the debt. 
Numerous FDCPA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau ( Experian ) about my identity being compromised, and the information is still there.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.
Product: Debt collection

I am unaware of this debt. I did not have an opportunity to dispute this information. I did not receive proper notification. If, in fact, you believe I received proper notification, then please provide the certified mail, with the receipt of my signature on there stating that I received it
Product: Debt collection

On XX/XX/XXXX I visited the emergency room at XXXX XXXX in XXXX, CA. At the hospital I provided information regarding my health insurance through XXXX. The hospital properly submitted a claim to XXXX, but the XXXX XXXX for which the doctor worked submitted a claim to XXXX in error and then referred me to a collection agency ( Medicredit ) for an amount equal to {$750.00}. When my husband and I explained the facts of the situation to Medicredit, they told us we had to address the issue with the XXXX XXXX XXXX. However, the XXXX XXXX XXXX XXXX   policy is that they will not deal with any claims that they referred to Medicredit. However, after speaking with supervisors at Medicredit and HMH between XX/XX/XXXX and XX/XX/XXXX ( and explaining to them that XXXX was willing to process the original claim so long as an itemized receipt was sent before XX/XX/XXXX XXXX XXXX submitted the claim to XXXX and paid the applicable {$20.00} co-payment. On XX/XX/XXXX, XXXX provided an Explanation of Benefits showing that ( i ) XXXX XXXX claim was processed, ( ii ) only {$140.00} of the original {$750.00} were allowable charges, ( iii ) XXXX paid {$120.00} and ( iv ) my remaining balance was the {$20.00} co-pay that I already paid. In addition, XXXX sent me a statement on XX/XX/XXXX indicating that this claim was paid and that my remaining balance was {$0.00}. However, notwithstanding the XX/XX/XXXX statement ( and the almost year of effort in resolving this issue ), Medicredit has continued to call me and recently sent me a statement indicated that I continue to owe the {$140.00} of allowable charges.
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 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 for these violations.

By : Authorized Agent., Private Civilian Without Recourse/ Without Prejudice All Rights Reserved
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs finding indicate that Zelles has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  to  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. This unauthorized account and 3 inquiries were added without my knowledge or consent and require immediate resolution. 

Account - XXXX XXXX XXXXXXXX Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law.
15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Synchrony Bank has denied my right to credit as I applied for a XXXX XXXX XXXX credit card account on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Synchrony Bank violated federal law by denying my credit application. Synchrony Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Synchrony Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Product: Credit card or prepaid card

My problem is a little complex, because Citibank Credit cards, has been billing me for a fraudulent Charge form an XXXX company about 8 months ago, I dont have the exact date and details about the transaction because my E mail inbox was hacked or suffer a virus attack that wiped out all my information about online credit card activitie.

Also Citibank has refuses to send me written statement about the transactions whre I can see the exact date and details of the fraudulent charges, on specifically the XXXX Citi Cards now closed. 
They not even let me open an online account with hat XXXX credit card, and the latest bill for the period XXXX was for {$790.00} to " account ending in XXXX '' I dial de automatic number for information and the account is " closed ''. 
I have talk many times for several months with customer services or with a " fraud specialist '' and they assured me that the problem was resolved and no charges dues by me. Please I need help, I want the Citibank to send me written statements of XX/XX/2021 to date, to dispute the charges with better information and details of the transactions., enclosed are my leter to them and copy of latest bill.