23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Best Buy card three years ago due to a promotional discount by opening the card. I paid the card balance off the next month and have never charged anything on the card again. I received a charge on my card back in XXXX from Best Buy. the charge was for geek squad membership. I never signed up for a geek squad membership. I called the credit card company, which is Citibank. They handle the Best Buy credit cards. They were supposed to reverse the full charge off. They only took off a prorated amount instead of the full charge that I never signed up for or authorized. 
I have a case number with them # XXXX. 

I have called every single month since them because they keep charging me a late charge saying I have a balance due and it keeps compounding because I refuse to pay it because they were supposed to take the full charge off. When you call a credit card company and you tell them I did not authorize or make this charge. The full amount is supposed to come off. Every time I call now I call the number on my credit card statement, which is XXXX when I speak to them, they then tell me I need to call Best Buy and talk to the XXXX XXXX which that number is XXXX. Its a continuous circle jerk and all the people that answer the calls work in either the XXXX or in XXXX so theres a lack of understanding or comprehension there of What I am trying to say or whatever if they can remove a prorated amount off of my card, they can remove the full charge that was not authorized on my card and I refuse to pay this amount and I refuse to have my credit score dinged every month because I have a late payment. They have now put my account in collections and I am going to be forced to hire an attorney and take this to a small claim court over their fraudulent business practices. I have canceled my account and I refuse upon principle to pay these charges because I never asked for them. They were supposed to be removed. A portion was removed and I dont owe anybody anything for something that I never charged or authorized to be charged to my account I would like you to please help me get this taken care of and investigate if this is happening to other people because Im sure if its happening to me its happening to others and after a while people just get frustrated and pay for it because its dinging their credit. I have the money to pay for it and upon principle, I refuse to pay for it. I never pay my bills late. You can look up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XX/XX/XXXX/XX/XX/XXXX I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's. Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit
Product: Checking or savings account

I booked a flight and hotel on XXXX for the wrong date. I immediately called and canceled and was told my refund was completed in the XXXX of XXXX, 2024. Within XXXX days I received the hotel portion of the refund, which was approximately {$170.00}. I have contacted both XXXX and cash app. XXXX has released the funds, but cash app is claiming they dont see it and it takes at least XXXX business days. It has now been XXXX business days and XXXX  days total. I havent received the refund of {$470.00} yet.
Product: Credit reporting or other personal consumer reports

I AM REQUESTING THE IMMEDIATE UNFREEZING OF MY CREDIT FILE. SEE ATTACHED DOCUMENT.
Product: Payday loan, title loan, personal loan, or advance loan

I went on klarna trying to extend my credit to them in good faith and was turned away. This is XXXX time and I should not been turned away. Im on XXXX XXXX and I think they adversely denied me because if this reason.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted on XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter is for : Ally Financial XXXX Balance {$52000.00} Open Date XX/XX/XXXX I kindly request that this matter will be promptly solve by Ally Financial. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are reporting on my credit reports that are incorrect XXXX XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a problem removing fraudulent information from my credit profile, that is recorded with experian, XXXX, and XXXX. I was XXXX in XXXX for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires made without consent : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. St
ates 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This Creditor Victoria Secret has violated my rights under 15 USC 1681 Section 6 o2 states I have the right to privacy. 15 USC 1681 Section 6 O 4 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late payment for any purpose. 

Victoria Secret Reported late payment on XXXX in 2021. 

Thank you, XXXX XXXX
Product: Debt collection

I sent request to validate a credit card account to Reliant Capital Solutions for a XXXX XXXX XXXX XXXX account owing {$200.00}. Have not received any validation materials itemizing what is owed on the account. Also sent letters to all three credit bureaus, XXXX, XXXX and XXXX asking that they have the account removed from my credit reports until validation can be received. They have not removed the account but just updated some minor information on the account.
Product: Debt or credit management

One of the debts that was ostensibly settled through Freedom Debt Relief was a $ XXXX debt to XXXXXXXX XXXX that was supposedly settled for a little over $ XXXX. When I graduated the program there was no documentation of this debt ever having been settled provided to me in my graduation packet and the debt still appears on my credit report as past due/charged off. When I contacted the creditor, they stated they had no record of the debts ever having been settled, and attempted to collect from me over the phone at that time. When I contacted Freedom Debt Relief, they assured me that they would open a file and find out what happened. This was nearly a year ago. Every time I contact Freedom Debt Relief now, no one knows what Im talking about - and the issue remains unresolved. I have no proof that FDR didnt just steal that money from me, because the creditor claims never to have seen a XXXX  of it, and FDR cant tell me where it went. Please help.
Product: Credit reporting

Transunion and XXXX are reporting XXXX as an open collection item. I have clearly settled this, and this should be removed immediately. XXXX, the item is from an OLD debt.
Product: Debt collection

I C Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX-XXXX-XXXX {$100.00} Medical / XXXX XXXX XXXX XXXX XX/XX/2018 I have called numerous times to get a copy of proof for this claimed outstanding debt. Twice I have been told something would be mailed to me and three times I have been told they have requested proof from the provider and never have I received proof nor does my insurance carrier have any record. Please remove this claim from my record or send me a full summary of my bill, including the data of service, claims filed with carrier and an address to pay the bill.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6300.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

In XXXX and XXXX I requested/ applied for the SCRA. They denied it. For the most part, a vast majority of other cards do this for service members. You are a service member focused financial institution and pride yourself on such. Yet to refuse to cap the interest for your clientele that you so proudly serve that does proudly serve for you, and trusts you? This makes no sense to me, rendering this contact.
Product: Checking or savings account

On XXXX  XXXX XXXX at approximately XXXX I withdrew {$160.00} from my debit card at the Chase ATM on XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX. The following day, I saw that an additional {$200.00} was taken out at approximately XXXX. By that time I was at a bar/establishment waiting on a friend so there is no way I made the withdrawal. I always had the card in my possession and I never gave my pin to anyone. This was a classic fraud case where someone must have skimmed my card and somehow recorded my pin. The bank has denied my initial claim and I plan on filing a police report next. Please help rectify the situation as I do not deserve to have {$200.00} stolen from me. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I checked my credit report today and saw accounts that dont belong to me. I check my credit often, but this was the first time I saw such errors. I even tried refreshing my browser to see if it was a mistake, but nothing changed. Im requesting that the documents Ive sent are closely examined, so I wont have to deal with this stress again.
Product: Debt collection

hello, to whom it may concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I acknowledge receipt of your response to my complaint. I would like to thank you for the opportunity to address my concerns again regarding Law Offices of Quinn M. Kofford, P.C. representing XXXX XXXX XXXX. ( Debt collector ) on XX/XX/2021 I made initial communication to demand for this debt collector to cease all communication with me and remove false information On my consumer report, Notwithstanding they have furnished information without my consent. In the initial communication I requested the 5 method of verification under 15 usc 1692g ( a ) on XXXX i received statements from this debt collector after i have requested for them to fulfill these allegations. This company has failed to verify this information or provide me exhibits Accordingly. In their initial communication this unfair debt collector sent me symbols other than the debt collectors address which is a violation of 15 usc 1692f9 ( 8 ) I kindly ask this 3rd party to provide me how this review of this matter was confirmed accordingly. XXXX your internal policies where talking about federal violation laws your client has violated me.I did not ever give consent to this debt collector to communicate with me in the first places which is a violation under 15 usc 1692C ( a ) this office should know this law under the FDCPA since yall are regulated by them. However, in an effort to resolve this matter outside of litigation, im requesting a settlement offer. If the offer is not accepted I would be starting litigation proceeding immediately concerning my issues.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX 2020 I made a XXXX  transfer over $ XXXX with XXXX XXXX to XXXX XXXX in order to buy a little piece of land. When the money arrived the bank in XXXX XXXX ( XXXX XXXX DE XXXX XXXX XXXX ) refused to forward the money to the account holder and requested documents to prove the origin of the funds. During a period of 30 days, the bank asked for several documents which we all instantly provided. I went several times in person to the bank, together with the account holder. I called the bank almost every day to make sure they received the documents and also asked for the status. The $ XXXX are my savings over the last years from my work as a freelancer and with the land purchase, I wanted to make a dream come true. This dream turned into a nightmare, however. In XXXX, XXXX 2020 the transaction was rejected for the reason that I couldn't prove where the funds come from. I consulted XXXX and they offered me to do a recall which they initiated on XXXX, XXXX 2020. Until today, there is no update on the recall nor did my money come back to my account. I'm on the phone with Transferwise on a regular basis but they say there is nothing I or they can do but wait and that the problem is the intermediate bank. The intermediary institution is CITIBANK XXXX, XXXX XXXX XXXX NEW YORK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and fraud. FTC Report Number : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities. 

While XXXX has made some effort to make corrections they have not made all of them. 

Similarly Equifax has made some corrections, but not all of them. 

XXXX has made no effort. In fact, unless I pay them XXXX XXXXm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {XXXX fee. To this date they are difficult to work with, to the point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than Equifax somehow magically finishing their investigations on the same day I disputed the inquiry ... even if I disputed at XXXX at night! XXXX : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX XXXX {$450.00} XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$46000.00} ACCESS XXXX XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM XXXX THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX  DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Dear Jefferson Capital System LLC, I am writing to dispute the recent collection activity on my account, referenced by XXXX. I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX