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

Best Buy Credit Card Company I made a purchase for goods for delivery and returned it the next day. Everything was credited to my account except for XXXX dollars. I paid that off immediately but they continued to charge me interest over the next months plus late fees that I could not figure out where they were coming from. 

They charge me close to XXXX dollars in late fees and I never had a balance on my credit card. Fraudulent company and policies I finally closed the account and then the lady told me I would still be charged interest even though I had a zero interest plan!!
Product: Money transfer, virtual currency, or money service

I am filling 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 those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 EXPERIAN : XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} XXXX : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to verify inaccurate information TO ALL 3 CREDIT REPORTING agencies. Violations under FCRA section 623 ( a ) ( 1 ) ( c ) states the data furnisher full responsibility under federal codes must report 100 % complete and accurate information otherwise it must be deleted. Continuing to report less than 100 % complete and accurate information to the CRA is major violation.  XXXX continues to verify inaccurate information from my most recent dispute with the credit bureaus COMPLETED ON XX/XX/2020.
Product: Credit card

I believe the account is invalid. JEFFERSON CAPITAL LLCT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.JEFFERSON CAPITAL LL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a consoladation loan from my bank to payoff debt. My bank sent the payoff amount provided to me to Conns home furneshing. The check was for XXXX. The check was received and vcleared my bank. This was about 2 months ago. They have not applied the payment to my account and have doubked the payoff amount. I have a picture of the check and a message from the company stating that the check was deposited.
Product: Debt collection

Back in XXXX XXXX we decided to switch our family cell phone plan from XXXX to XXXX XXXX XXXX. We paid in full our last bill and switch to XXXX XXXX XXXX. On XXXX, our company account was debited {$420.00} without our permission and without an explanation-of charges. We called our bank ( XXXX XXXX XXXX XXXX ) and disputed the charges. On XX/XX/XXXX another debit of {$1000.00} was debited with out explanation or permission from us. We also disputed this charge again. Every time we call XXXX to discuss the issue, their representative will inform us that we don't have an account with them. On XX/XX/XXXX we received a bill for unpaid balance of {$1000.00}. I reach out to XXXX and asked to explain why. The invoice from XXXX came in without explanation just unpaid balance. XXXX didn't provide any explanation for their invoice. The following week XXXX hit my credit and sold my information to a debit collector XXXX, XXXX XXXX  XXXX. We wrote to the company and explain the situation and tried to solve the issue. We ask to send us a bill of {$420.00} that we agreed upon and settle and close the dispute. We never heard back from this company again. All documentation are available upon request. 
On XX/XX/XXXX, we received an email from XXXX for one time offer XXXX % savings off the balance we currently owe to be paid before XX/XX/XXXX. We did except the offer and paid the amount of {$520.00} and XXXX remove the dispute on my credit report. 
On XXXX XXXX I received an email from XXXX letting me know that my credit was hit with XXXX point down for delinquent payments. I went on line to check. A company by the name of Jefferson Capital System in XXXX claims I own them {$520.00}. I asked them how did you get my informations. I was told that they bought XXXX debit. 
I explain that our bills with XXXX was closed paid on XX/XX/XXXX and I don't have an open account with them. They still insisted that I have to pay this amount and told me it will hurt my credit. I called XXXX immediately and explain my situation. I was informed that either XXXX didn't close my account after getting paid and still sold my information to a debit collector again. XXXX will investigate and clean my credit. WE are a small Business owners and Credit is very important for the health of our daily operation. I hope this never happens to anyone. Thank you
Product: Debt collection

I was sent a collection letter on XX/XX/2021 attempting to collect a debt of {$230.00} from CBB ( California Business Bureau , Inc. ), ( attached ) and replied with a with a personal dispute letter on XX/XX/2021 ( attached ) stating that I do not owe the debt and I was requesting supporting information. 30 days passed and I did not receive a reply nor was I contacted in any way. I was then contacted via telephone on XX/XX/2021, nearly 4 months later ( screenshot of call attached ) from XXXX XXXX XXXX , XXXX attempting to settle the same debt. I explained that this should not be a debt owed and that I had requested, in writing, the supporting information back in XXXX and never received anything from the agency and the service caller quickly hung up. Now, I have just received another collection letter from XXXX XXXX XXXX , XXXX with the opening line stating that the requested information is enclosed and it is only a statement of charges, not a breakdown of charges or any supporting information. I do not owe this debt and have been attempting to resolve this accordingly and these agencies are not following the legal protocol and are only using aggressive measures in an attempt to bully/harass me into paying this debt that I firmly deny. I would like to submit a formal complaint and have these two agencies held accountable for harassment and failure to collect a debt legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have called and disputed with Equifax and disputed online which i will attached documents as well police report. They keep coming back in 10 hours stating its mines when it's not.. I would like thgese inquires removed ASAP Delete all three inquires asap DELETE ALL THREE INQUIRES ASAP LIKE NOW BECAUSE NO PROOF CAN'T SUPPLY PROOF BECAUSE I DIDN T APPLY EVEN THE CREDITOR STATED THEY HAVE NO KNOWLEDGE OF MYSELF APPLYING FOR CREDIT WHEN I CALLED. YES I CALLED ALL THREE CREDITOR
Product: Debt collection

The following accounts below were reported as a collection, but I dont recall having business transactions or dealing with there companies. I am asking that you have the creditors provide evidence the accounts belong to me and should be on my credit report, In addition, to show that my rights have not been abrogated. 
Im asking each to verify that the creditors have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable by each creditor, I required that the accounts in question are updated and deleted to reflect the proper reporting standard. 

Sunrise Credit service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

On XXXX XXXX, 2017 I contact Equifax, XXXX, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.
Product: Checking or savings account

On XX/XX/2020, I signed a rental agreement for a house at XXXX XXXX XXXX in XXXX XXXX for the months of XXXX + XX/XX/2020 in the amount of {$5700.00}. I made the payment for two months rent and {$1000.00} deposit per the rental agreement over the course of three days via the Chase Online Banking system using the Chase Quickpay/XXXX option on XX/XX/XXXX for {$2000.00}, XX/XX/XXXX for {$2000.00}, and XX/XX/XXXX for {$1700.00}. I sent the money through the Chase website to XXXX XXXX using a phone number that was given to me. On XX/XX/XXXX, I received a receipt from " XXXX XXXX. '' On XX/XX/XXXX, I received an email asking for an additional {$1400.00}. This peaked my suspicion which led me to realize the house in the ad is not the same house at that address. On XX/XX/XXXX, I sent an email explaining I no longer wanted the rental and requested a refund. On XX/XX/XXXX, I received a text saying a refund would be processed that day. I did not hear back until Tuesday with a text asking if I had a credit card. I still have no received a refund. I called XXXX to explain I've been scammed. The representative did not seem to care and simply told me there was nothing they could do. I went to the bank in person yesterday. I was given more sympathy and care, but a claim for the wrong transaction was filed I received a message last night saying " As we discussed and agreed, no action will be taken. '' I made a transaction through my secure banking portal ( or so I thought ) with zero knowledge that " Chase Quick Pay by XXXX '' was not protected/secured OR an outside service. I did not sign into XXXX. I signed onto chase.com. I used this payment method with confidence thinking it was a service provided by Chase Online Banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX company XXXX XXXX do by XXXX XXXX Dispute collections {$2700.00} called XXXX XXXX explaining i never had such account. ask for proof and factors of establishment in my name, ss, dob, address and exct...

Dispute for XXXX XXXX this account is collections {$5700.00} for auto loan I volunteer this vehicle because of financial difficulties XXXX  sent and balance of {$3000.00} after vehicle was sold at auction. I've called XXXX XXXXXXXX XXXX times asking of balance difference and why the account still open and says current on payments now 120 day late payments. 

I have extended fraud alert since XXXX and all credit boroughs are frozen I've been working hard and diligently on approving my credit report and score. I should not have inquiries, collections or closed accounts on my credit report. There should only be ( XXXX ) XXXX XXXX  account, ( XXXX ) XXXX XXXX, ( XXXX ) credit card accounts XXXX XXXX XXXX XXXX and XXXX XXXXXXXX which this account is closed ( XXXX ) tXXXX XXXXXXXX XXXX XXXX 

I Appreciate your time and I thank you in advanced for helping in resolving this situation. 

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

I contacted Equifax about what was listed on my credit report. I spoke to XXXX representatives. The second representative submitted disputes without my consent. I explained to her XXXX accounts I wanted to dispute, but she insisted on me submitting documentation. The phone call was almost an hour. I explained to her that the lending club and XXXX XXXX accounts were paid and settled and were supposed to removed from my credit account. That didnt happen. The representative didnt understand and documented the information I told her incorrectly. At that point I informed her that XXXX submit the dispute myself. When I tried to submit the disputes online she submitted them anyway. I spoke to a supervisor named XXXX and he could not give me the womens name who submitted the dispute without my consent
Product: Student loan

When I was laid off in 2013 I went on Federal and State Unemployment. When I called Navient and told them I had lost my job, I was told that it was not a problem and that while I am receiving unemployment benefits that my loans could go into deferment. I thought that was extremely helpful at the time, and I was unaware that i would spend the next year or after making Capital Interest payments. Example - Loan XXXX original amount {$5000.00}, Current payoff for Loan XXXX = {$6700.00}. Even still the majority of my monthly payment is absorbed by interest. In addition to this complaint, I would also like to add that my XXXX student loans, where I make 1 automated payment monthly, currently reports to the credit bureaus as XXXX accounts with late payment history from 2013 directly before I went on deferment. XXXX negative accounts is an excessive and unfair derogatory report which affects current interest rates and rates I will be approved for in the future.
Product: Checking or savings account

Every time I recieve or deposit money its been took from my account no matter what the amount is
Product: Debt collection

got me on a computer calling machine after I talk to a representative off this company they continue to call me XXXX times a day, I have already made payments for automatic withdraw from my checking account, and they still harass me, I also told them not to call me on the XXXX and yet I recieved XXXX calls today.
Product: Credit reporting or other personal consumer reports

I have listed the concerns I have about the reporting of these fraudulent accounts. It is not complete and does not meet proper reporting standards. According to the law, the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This information has been reported several times as I have never opened or knowledge of these fraudulent accounts. Credit bureau continues to falsely report fraudulent accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
INQUIRIES TOO : XXXX, XXXX IN, 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
Product: Checking or savings account

Wells Fargo approved provisional credit because cash app closed my account with out my knowledge I transferred my social security payment because my wells Fargo cards do not work and they won't fix it the transaction went through but I can not access my account when I sign into cash app it stated your account has been closed and returns me to lo g in I reached out to cash app the say the funds are not there I filed a claim with Wells Fargo and they provide credit now they reversed and my account is negative but I never had any access to the original ssi payment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, " We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc., and One copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, XXXX does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

" To view your rights, visit XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : 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 Correct Information to Be Reported : 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 I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Like millions of others, Equifax 's sub-standard security measures and baffling technical incompetence ( eg, not subdomaining their " check status '' website, different certs, plain-text unencrypted data ... ) caused my information to potentially be leaked to unknown parties. 

The solution they offered was to monitor my credit -- - though, given their track record, it 's not surprising that this should be unsettling.