23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I started a dispute with Best Buy Credit Services upon learning that after I cancelled XXXX XXXX XXXX XXXX XXXXXX/XX/year> and asked them to correct a few problems they did not follow through. This resulted in Best Buy charging me {$3.00} after the final payment I made for the XX/XX/year> statement. After this date I did not receive an invoice. In XXXX I received and invoice for approximately {$8.00} I paid it as soon as I received it but I called to ask what it was for I was told it was for AppleCare I received a letter as well reducing my credit limit. I explained that I cancelled XXXX and I was encouraged to make the payment over the phone even though I sent the check and I disputed the charges. I was promised I would be contacted by a supervisor for a refund and to verify cancelation and to discuss my credit limit reduction. Since this time I have made several calls and have not been able to get email or any confirmation of my cancellation. I asked for an address to send my dispute and issues and I was told I had to communicate by phone. I was hung up on. I provided Best Buy the letter I wrote in XXXX XXXX XXXX  cancelling the service. I did not think this would turn into such a big deal. I was told that under my name Best Buy created several accounts and that only one XXXX was cancelled because the accounts were not merged by Best Buy. Today the helpful person merged all of my accounts and verified one was cancelled but 3 other AppleCare charges were being charged still and one was on my account ending in XXXX. Even today the XXXX was still not removed from my account. Now it is finally. However my credit history was damaged by XXXX XXXX decrease due to the report for charges they were fraudulently charging on my account that were not authorized beyond the XX/XX/year> statement that I paid. I paid the disputed amount as soon as I was made aware of it. I should be able to write a dispute and request and be acknowledged. I should not be forced to rely on a phone conversation that I have no control over how it is documented and handled. In writing I have a record. They should not be able to ignore a written request and report something on my credit history that was fraudulently charged by Best Buy through their credit card company. I have been dealing with this for 6 months. As much as I appreciate their offer to credit me for the last few months of {$3.00} charges, I am much more concerned about the XXXXXXXX XXXX  decrease and reporting late payment for something I disputed, cancelled and do not owe. I want them to remove the late report from my credit history immediately. This has gone way too far and it is ridiculous how I have been treated. My credit history speaks for itself. I am not the problem and I did what I was supposed to do to the best of my ability. I have no reason to ruin my credit for {$3.00} and then pay it shortly after the supposed due date. This is irresponsible of Best Buy and Best Buy Credit Card Services CitiBank.
Product: Checking or savings account

I recently opened a new account with ETrade. They keep putting my account in restricted state for no rhyme or reason. Whenever they do that, they ask you to call their Account Activation Services Department and they proudly mention that the wait time to talk to this department is always an hour plus. 
This is the second time they have put my account in restricted state. 
First time they did that, it took almost an hour to get it resolved. 
For the second time, they put my account in restricted state, I am summarizing my experience below. 
My first attempt to talk to this department, I had to give up after an hour and 15 minutes. I called the regular customer service after that and they said that they have put in a request for a callback and someone will call me back in 24 hours. It has been 5 days and no one has called me back.

My second attempt to talk to this department, I waited for an hour and 24 minutes before someone picked up the phone. This lady then won't give me any reason as to why they they keep doing that, then she demanded that I send her some hand written letter saying that this is my account. That is the most non sensical thing I have ever heard from any bank. Finally she said that she will try to find someone who can remove this restriction but evern after being on hold with her for more than 2_ hours, she could not find anyone. She said she will call me back the next day and that did not happen either.

My third attempt to talk this department, I had to wait an hour and 20 minutes to talk to someone. This guy was so rude that he hung up on me when I asked him what happens if I dont send this hand written letter. 

At this stage Etrade is holding my funds as ransom even though it is a total of only {$10.00} which they clearly know was transferred from my linked XXXX account. 
They have failed to provide me monthly account statement for this account which I believe is a violation of their bank charter. 
And if this was not bad enough, I keep getting calls from some other Etrade reps who want me to give more business to ETrade. 

It is pretty obvious this bank is being run by some brain dead idiots.
Product: Credit reporting or other personal consumer reports

The collection accounts showing on my credit report does not have the correct contact information listed for them ; XXXX XXXX XXXX and XXXX. I've sent a dispute letter with the information provided on my Equifax credit report and it was returned mail. So how in fact is Equifax verifying accounts with incorrect contact information.
Product: Debt collection

I have/Had no knowledge of this account/Loan for {$4200.00} XXXX periodically check my credit and this how I found that this was on my credit went to collection at Vance & Huffman before my past credit history of loans and credit cards I have paid and/or paid off I had a excellent payment history I have even obtained a loan from XXXX XXXX XXXX and with in 3 months XXXX had XXXX account paid in full and XXXX also found that XXXX I have account with was breached and I received a Letter from XXXX XXXX and they had a data breach and then in a month of XXXX  breach in XXXX this year and XXXX this someone my Identity and this collection appeared on my credit history and I am so frustrated upset that something like this could ever happen when you put your trust in Credit company as XXXX and others and feel this thief of my identity violation of one self and should be removed
Product: Credit reporting or other personal consumer reports

Transunion breached my sensitive data without my permission. They sent me a letter XX/XX/2023 staring I was impacted by the data breach. I would like for all negative items to be deleted from my reports and compensated for months of having to go through the stress of disputing inaccurate negative items. Transunion continues to update the information illegally and report false information defaming my character and damaging my credit month after month.
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 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 has violated my rights .

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 an 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 or other personal consumer reports

This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I've made attempts to fix these issues directly with them and they just violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. I reached out to the companies they have 2 accounts balance {$4700.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and reporting twice on my credit report it needs to be deleted ASAP XXXX XXXXXXXX XXXX XXXX is also reporting twice on my credit file it needs to be deleted I have called and sent a lot of requests to creditor and credit bureau Account Name XXXX XXXX XXXX Account Number4913V3XXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> also the credit advised me that i have been a victim of the data breach and identify theft
Product: Credit reporting or other personal consumer reports

Upon review of my credit report, I noticed some hard inquires that I do not recognize. Within each credit bureau, there are technicalities and some on multiple occasions. 

XXXX : XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I did not authorize these inquires. I believe I am a victim of fraud.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered that I have a few fraudulent hard inquiries on my credit report, these hard inquiries are from XXXX XXXX XXXXXX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove them from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$50.00} via XXXX to a friend. Same day I sent my friend a text message asking if he received the {$50.00} and he said no. As a result, i called Chase Bank to ask why there was a delay and that this delay was weird so i wanted to cancel the transaction. Chase said this was normal because it was going to a non-Chase Bank and to wait 2 business days for the transaction to go through. I called again after the 2 business days with the same problem and Chase said they would open an investigation and refund me the {$50.00}. Today is XX/XX/XXXX, and I called Chase again to ask where the {$50.00} refund is and they said XXXX denied my claim so Chase can not refund me the {$50.00}. Since Chase did not cancel the transaction when i first asked for it to be cancelled, I should be refunded the {$50.00}. Chase guided me incorrectly by telling me to wait. Also, XXXX should figure out a way to track transactions from bank to bank.
Product: Checking or savings account

To Whom It May Concern I am filing a complaint against Ally Bank concerning the denial of my request to add my husband XXXXXXXX XXXX to my existing accounts The details of the incident are as follows On XX/XX/XXXX I submitted the Additional Account Owner Application via secure message on Ally Banks website to add XXXX XXXX to my accounts XXXX and I have been married since XX/XX/XXXX After a few years we are finally updating our various assets to reflect both our names However Ally Bank denied the application citing that the residential address provided 6191 US20 SPC 55 XXXX  OR 97345 is not acceptable This is perplexing because it is the exact address on record with Ally Bank for me since we moved to XXXX in XX/XX/XXXX It is unclear why this address would be an issue for my husband when it has been acceptable for my accounts for over three years Over the past month I have communicated with multiple Ally representatives explaining that the residential address in question is completely legal regardless of it being at an RV park Despite my efforts to clarify Ally Bank maintains that an RV park address is unacceptable for banking purposes This rationale is inconsistent with the fact that Ally Bank had no issues with my previous longterm RV park address in XXXX XXXX CA where we resided for over four years while I was still an Ally customer The XXXX address is a legitimate physical residential address It appears on both mine and XXXXXXXX XXXX XXXX XXXX and Voter Registrations XXXX XXXX XXXX XXXX where we reside houses several longterm permanent residents and even a few apartment tenants I have provided this information to Ally representatives but the application remains unapproved Two Ally representatives have offered partial assistance One suggested providing next of kin information for XXXX which I found peculiar as I his wife am his next of kin Despite providing my estranged fatherinlaws home addresses in Alabama and XXXX Ally Bank deemed them unverifiable which has unnecessarily complicated our family matters Another representative advised showing proof of utility payments at the XXXX address While we pay XXXX XXXX XXXX XXXX  monthly for rent which includes utilities such as power water sewer and trash these payments are clearly reflected in my Ally Bank checking account transactions XXXX XXXX XXXX XXXX XXXX has relayed they are willing to provide a letter confirming our longterm residency and the details of our monthly payments We do have one separate utility bill for propane so on XX/XX/XXXX I submitted to Ally Bank the documentation memorializing this Despite all the evidence and efforts to resolve this matter Ally Bank continues to deny the application without a clear or consistent explanation This situation has caused significant inconvenience and stress for my family I request that the Federal Reserve investigate this matter and assist in resolving the issue with Ally Bank I seek to have my husband XXXX XXXX added to my accounts as requested Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Product: Mortgage

I bought my home back in 2000 the mortgage company I had sold out to XXXX other companies Now a company called Select Portfolio Servicing which they say the are a debt collector. I have issues from the start with them. They can not tell me whom has my mortgage. They recently put an ad in the paper to auction my home. Thank god I got hold of the Attorney General and they got hold of XXXX XXXX XXXX the attorneys who are handling it. Which they will not give me any information. Even when I was making payments I was getting harassing calls and letters saying I was behind. When I call them they are rude and they are always losing the paperwork for a modification. I am at my wits end with them.
Product: Debt collection

XXXX XXXX has re aged this Capital One account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.
Product: Student loan

Loans from XXXX which I never attended. A duplicate loan from XXXX XXXX XXXX was taken out after I had left Texas. This was turned over to a collection agency and I signed an agreement, because my wages were being garnished. I never saw the details of the loans until after I signed the agreement. I just found out about the XXXX loans this year.
Product: Consumer Loan

I did not have the funds in my bank, and the company has been incessantly calling my phone and is sending threatening emails, saying that if I do not pay immediately I will be prosecuted and will owe {$25000.00} from a {$400.00} loan. They are saying that I have to send them a promisory note immediately, or I will be prosecuted.
Product: Debt collection

Atlas collection agency XXXX, IN. called me 3 times at XXXX XXXX XXXX XXXX, and again at XXXX XXXX. I answered the final call advising them they are calling too many times during the work day and infringing on my rights, was told they can " call me every hour on the hour legally. ''
Product: Debt collection

I had contacted XXXX and told them the debt is not mine and that I never had service with there company and have yet received any documentation
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against the credit reporting agency TransUnion for their failure to address my dispute regarding inaccurate information on my credit report and an unauthorized inquiry. Despite my repeated attempts to rectify these issues, TransUnion has not conducted a proper investigation and has completely ignored my dispute letter. 
I sent a dispute letter to TransUnion challenging the accuracy of certain information on my credit report, specifically regarding an inaccurate XXXX  auto loan account and an unauthorized inquiry from " XXXX. '' In my dispute letter, I provided evidence demonstrating that XXXX and XXXX have already updated or deleted the disputed account in accordance with the Fair Credit Reporting Act ( FCRA ). However, TransUnion has failed to act on this evidence, which is a clear violation of the FCRA mandate that all information on a credit report must be accurate. 
To my dismay, TransUnion did not even bother to address the specifics of my dispute. Instead, they sent me a response letter that erroneously focused on identity fraud, a topic that was not mentioned in my original dispute letter. This response clearly indicates that my dispute letter was either not read or not taken seriously. 
Moreover, TransUnion has completely ignored my dispute regarding the unauthorized inquiry by " XXXX. '' I have never applied for credit with this company, and this inquiry is causing unnecessary damage to my XXXX XXXX. 
This situation is unacceptable. The lack of proper investigation and the blatant disregard for my dispute violate my rights under the FCRA. I am demanding that this issue be thoroughly investigated and that the inaccurate XXXX auto loan account and the unauthorized " XXXX '' inquiry be promptly deleted from my credit report. 
If this matter is not resolved immediately, I am prepared to take legal action to enforce my rights and seek damages for the financial hardships I have endured during these challenging times of economic inflation and instability. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX XXXX and now the account is with the debt collection agency XXXX XXXX XXXX XXXX. I have been receiving harassing telephone calls at XXXX XXXX  daily from XXXX XXXX XXXX XXXX representatives who has been using abusive and profane language against me, making death threats and threats of legal action for a debt that dont belong to me, and is the result of identity theft. I have never applied for a credit card with XXXX XXXX XXXX. The debt is not mine and dont belong to me. XXXX XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Product: Credit reporting or other personal consumer reports

This account was charged of the following day ( XX/XX/XXXX ) but also indicating ( XX/XX/XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate Information falsely manipulates the statute of limitations. You failed to provide accurate information and your neglect has violated my rights. The Account is also indicating multiple account numbers instead of just one for this account!! I am demanding a deletion of the following account : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I disputed the Midland Credit ( Account # XXXX ) collection account, yet it remains on my credit report without proper validation. Under 15 U.S.C. 1692g ( FDCPA ), the collector is required to provide : A detailed breakdown of the balance ( {$3600.00} per XXXX, {$3600.00} per XXXX ). A copy of the original signed agreement proving I authorized this account. A full payment history showing all transactions. Proof they have legal authority to collect this debt.
Product: Student loan

I was wrongfully expelled from XXXX XXXX XXXX on XX/XX/XXXX for protecting my self from another student in the parking lot. Not only have I been receiving falsified information from my loan service company, I think the school is trying to commit financial aid fraud. They have a refund policy in their student handbook that states the school has 45 days to refund any monies due and I got receipt of my certified written request in XX/XX/XXXX. I have tried to contact the school about my request but was told that both financial administrators have resigned and no long work for the school. I received a letter form school official, Mrs. XXXX, on XX/XX/XXXX asking if I wold consider returning to school at least half time because my student loan may be affected due to my 60 day absence.
Product: Vehicle loan or lease

* problem : Kia Finance does not acknowledge my property tax exemption for a leased vehicle and is reporting me as delinquent to the credit reporting bureaus. 

FACTS : * In XX/XX/XXXX, with my permission, my wife used a power-of-attorney to lease a XXXX XXXX XXXX while I was on an XXXX XXXX XXXXXXXX. 
* Between XXXX and XXXX, XXXX repeatedly paid vehicle property taxes on my behalf and then informed me that I had to pay them back. 
* Under Virginia law, my military  status made me eligible for an exemption. 
* So each time, I asked XXXX to provide me a copy of the tax bill so that I could contest the taxes. 
* Each time, XXXX failed to provide me a copy of the tax bill, instead sending me a printout of their computer screen saying I owed taxes. 
* ( One year between XXXX and XXXX, my wife paid XXXX for property tax without my knowledge, just to get XXXX to stop bothering us. ) * But each year thereafter, I continued refusing to pay XXXX the taxes until I received a copy of the property tax bill. 

* I continued to make each normal monthly lease payment. 
* Eventually, XXXX began applying my monthly payments against the taxes, and notifying me I am delinquent on my monthly payment. 
* XXXX also began reporting the alleged delinquency to the credit bureaus. 

* In early XXXX, I gave up on XXXX. 
* I went to the XXXX XXXX, VA, government myself. 
* XXXX XXXX, VA, denied my requests for archived copies of the tax bills. 
* However, a nice person there walked me through an alternative way to prove my tax exemption status. 

* I provided copy of this tax exemption paperwork to XXXX and requested the following : 1 ) written acknowledgement of my tax exemption between XX/XX/XXXX and XX/XX/XXXX, XXXX ) reimbursement of past property taxes my wife and I paid to XXXX but should not have paid, 3 ) correction of my payment records to reflect no delinquencies on my monthly lease payments, and 4 ) immediate correction of XXXXXXXX XXXX reporting to the credit bureaus so that I can close this vehicle lease in XX/XX/XXXX without issues. 

CONCLUSION : * As of XX/XX/XXXX, XXXX has failed to respond to my requests. 
* This lease ends on XX/XX/XXXX. 
* If these issues are not corrected by XX/XX/XXXX, my financial credit standing will be in jeopardy. 

* ( I XXXX from the military on XX/XX/XXXX. So, between XX/XX/XXXX, and the end of the lease on XX/XX/XXXX, I know I am no longer tax exempt. )