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

To whom it may concern, Under U.S Code 1681b - Permissable purposes of consumer reports ( a ) in GERENAL Subject to subsection ( c ) any consumer reporting agency under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never provided your agency any written consent to report anything on my consumer report, no consent is identity theft. Any deletions that are made is admission. Failure to comply to my request for the following accounts to be deleted will result in a violation and claim since your agency being liable for any damages caused by your actions. Please take careful note of what was written in this dispute and the letter that is attached.
Product: Credit card

On XX/XX/XXXX I brought my sons XXXX XXXX into Best Buy XXXX XXXX in XXXX NJ for repair. I was charged {$420.00} for XXXX parts and service. Also, I was charged for a XXXX yr warranty in the amount of {$190.00}. When I got home and realized the warranty charge, I called Best Buy customer service and made complaint. The amount wrongly applied to my Best Buy card was credited back, {$190.00}. This was on same day, XX/XX/XXXX. That credit was applied a couple of days later. On XX/XX/XXXX my son XXXX and I went to pick up his computer but Best Buy could not fix the problem. I was then credited back for the XXXX parts and service by the XXXX XXXX representative ( see receipt ). My son then decided to just buy new XXXX XXXX from Best Buy, My son used his XXXX debit card of {$2000.00} towards the purchase and I paid the balance of this purchase with my Best Buy card for {$160.00}. The total of the new computer was {$2100.00}. ( See receipt ). Ive been arguing with Best Buy now since for not crediting back the XXXX items and service charges on return or credit receipt attached. Ive made at least XXXX calls and spoke with XXXX Best Buy customer support representatives who opened up a dispute and each time, made update notes and could see all relevant receipts and credits. As of this date, XX/XX/XXXX Best Buy still has not credited my Best Buy credit card which is issued by Citi bank. I attempted to contact Citi bank and advised them of this but they said I had to deal with the Best Buy store how would issue the credits to them. Citi bank said they have no access to see receipts only charges from Best Buy. On my Best Buy card as of XX/XX/XXXX, I only have a balance of about {$140.00} on a pro mo account of a purchase with no interest till XXXX of XXXX. The only other charge on my Best Buy card should only be the {$160.00} charge for the balance of the new computer tower. As you can see on receipt of purchase, {$2000.00} was used with my sons debit card for {$2000.00} and I then paid the balance of {$160.00}. Best Buy has refunded the wrongly charged warranty amount of {$190.00} within just XXXX days but the other charges for the XXXX items and still have not been credited back to my Best Buy card as seen in refund receipt. Im asking that your department help resolve this issue as Best Buy is deliberately delaying my refund process since XX/XX/XXXX as seen in my receipt/retune. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This complaint is being filed under my wife, XXXX XXXX information , profile as I had a hard time singing into me this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} 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: Debt collection

Subject : Request to Opt-Out of Information Sharing and Privacy Rights Dear Sir/Madam, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically the opt-out provision outlined in 15 USC 6801, and the Privacy Act of 1974. 

Per the FCRA as a FEDERAL PROTECTED CONSUMER, Im now OPTING OUT OF ANY AND ALL AUTHORIZATION, I The CONSUMER may have given you written, unwritten verbal and nonverbal. Per 15 USC 6802. 

Account Name : Capital One Account Number : ( XXXX ) I request that you do not share my personal financial information with non-affiliated third parties, as allowed under the GLBA. Please process my request to opt-out of information sharing for marketing purposes immediately. I understand that this request is permanent unless I choose to revoke it in writing. 

Additionally, I request that you provide me with a copy of your privacy policy as required under the GLBA and the Privacy Act of 1974. Please also provide me with information on how to exercise my rights under these laws. 

Please acknowledge receipt of this letter and confirm that my request to opt-out of information sharing has been processed. I also request that you update my account to reflect this preference. I also would like a copy of the original contract with my signature. 

Thank you for your prompt attention to this matter. I appreciate your cooperation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act XXXX Account XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$570.00}, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX of VA # XXXX XX/XX/XXXX {$12000.00}, XX/XX/XXXX {$12000.00} has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

I noticed a week ago via a credit alert that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. I was unaware of the account and called the company on XX/XX/XXXX requesting the account be validated because I did have first hand knowledge of the debt. I also received no notice this account was about to go into collections prior too. I was told I had to validate the account myself via XXXX XXXX XXXX XXXX XXXX because that is where the funds were deposited. the account is from XX/XX/XXXX and I am almost certain I had no account with this bank past XX/XX/XXXX. 

I am 100 % sure that this company legally has to send me some written validation regarding the debt they claim I owe. I looked up the original company who states I owe this debt ( XXXX XXXX ) and they are out of business so I have no ability to call them and validate if this account is real nor not either.
Product: Credit card

XX/XX/XXXX at the Best Buy store purchased online order a XXXX XXXX XXXX charging to the Best Buy Citibank the amount {$640.00}. The BB App was updating me the status of the order, when it says that would not be delivered due to missing XXXX XXXX. When I called Customer Service, I was told it was already returned to the warehouse by XXXX in Illinois and be sending to the shipper arriving on XX/XX/XXXX. I decided to place my own order for XXXX XXXX XXXX on XX/XX/XXXX, the item arrived to my apartment on XX/XX/XXXX and records shows my XXXX XXXX XXXX but I tested and did not like for the amount paid so I returned it on XX/XX/XXXX to the store. The credit of {$640.00} for the FIRST purchased that it was never delivered never applied. I have complained ( 4 ) times to BB Citibank with the same answer as decline case. According to their records was sent to me ; show it was delivered with XXXX  from BB location XXXX, XXXX on XX/XX/XXXX and records doesn't show XXXX XXXX. I was not awarded that BB will be sending the item again. This is unusual procedures. Also, I never received update notifications of this item. The question is using a carrier XXXX, then XXXX, later XXXX received on XX/XX/XXXX and XXXX delivered on XXXX XXXX.
Product: Credit card or prepaid card

I was approved for unemployment and given a number to call Way to Go card services to check on when my card was mailed out. Upon calling I was told that it was mailed on XXXX, and to give it a couple of days especially due to the holiday and I obliged.On XX/XX/XXXX, I called back and was told to give it another day or so. I called back on XX/XX/XXXX after the mail had run and was told to give it a few more days and again I obliged, XX/XX/XXXX, I called again because I still had not recieved a card they said it may come on tomorrow ( XX/XX/XXXX ) and it didnt. When I called back on Sunday XX/XX/XXXX to let them know it still hsd not come the person told me that they would order me a new card and I should {$20.00} fee, and I did not find out about a {$20.00} fee until after activating my card I found that the balance was less {$20.00} upon which time I called the company after checking my unemployment claim to find out how much was deposited. Per conversation on last night, XX/XX/XXXX, I was told that I would not get my money back and that was that because it was expedited, which I never requested.I requested someone else to speak to in rference to my concern and was given a supervisor, XXXX, who said that I wasnt getting my money and there was no one else that I could speak to and I refuse to believe that consumers can just be taken advantage of as such.XXXX would not give me a phone number, email address or his superior. 

I never agreed to anyone taking any money off of my card especially during these times and more importantly is that I never received an original card from the beginning and still have not seen that card that was suppose to have been sent out to me.I am definitely not pleased and feel that this is taking money just because they say so and they can. I want and need my $ XXXX.I wonder how many more people this has happened to?
Product: Credit reporting 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. Account name : 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 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

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1800.00} XXXX XXXX XXXX : XXXX -- -> : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquiring about a bankruptcy that is on my consumer report that I did not authorize to be reported. I have reason to believe and do so believe I am a victim of aggravated identity theft under Title 18 USC 1028A on different occasions as XXXX and Lexis Nexis has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I have requested validation numerous times and have not received any. Notice 15 USC 1611 ( 1 ) Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined {$5000.00} or imprisoned not more than one year or both. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this. I demand that you cease and desist of this activity as soon as possible with in 7 days of receiving this notice. This includes eliminating this bankruptcy and anything pertain to it from your records, discontinuing and retracting reports you may have that I did not authorize. If action is not taken by you to cease and desist within the allotted time frame I will have no choice but to take legal action against your firm.
Product: Credit reporting or other personal consumer reports

On all 3 credit bureas alot of my account numbers are missing and diffrent from all 3 credit bureas. My account info is incorrect.
Product: Credit reporting, credit repair services, 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 ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking them to verify the debt on my reports. They have responded that the disputed accounts have been either updated or verified as correct. However, this is still incorrect, and inaccuracies remain on my report. 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 card or prepaid card

A credit card that I believed to be closed years ago ended up with three charges on it, in XX/XX/XXXX. The charges were XXXX  XXXX tickets and totaled {$830.00}. Because I did not know this credit card continued to exist, I did not know there were charges on the credit card until I got an email notice from another bank stated that America First Credit Union was placing negative information on my credit report. When I went to the credit union to inquire, they could not immediately identify how I owed them money. But, after running my SSN they were able to find this old credit card. It was shown that the credit union took one payment from a joint savings account to get the credit card current and then the account continued in a past due manner ( because I did not know it existed ) until it was reported to the credit reporting agencies. 

When faced with this information about an old credit card, that should have been canceled in XXXX of XXXX, I was told by AFCU that the card had a {$16000.00} limit and that the only way to cancel the card was to pay it off. I paid it off immediately and requested it be cancelled. Since XX/XX/XXXX I have been attempting to get AFCU to investigate my fraud claims, reimburse the {$900.00} I paid to close the account and request the removal of the negative late payments from all three credit reporting agencies. I was originally told that because the charges were more than 90 days from the time of purchase, they no longer had recourse with the merchant and considered the matter closed. 

It was identified that AFCU had my current, name, phone, email address and home address on file but sent the past due notices for this credit card to a home I lived at years ago, when the card was active. I haven't lived there in 3 years. So, I did not receive their notices. 

In speaking with XXXX  XXXX, it appears those traveling on the three one way tickets purchased on XXXX on XXXX, did not have my name or that of my ex-spouse. The billing address the purchaser supplied to XXXX  XXXX was not in XXXX  or XXXX, which would have been the address on file with the credit card company. They had the same last names and traveled from XXXX on XXXX, on the airline tickets that were purchased on the old credit card that should have been cancelled in XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

This guy made a transaction on XXXX XXXX 2017 from Jpmorgan Chase Bank New York to XXXX in XXXX. The fund available to recipent should be on XXXX XXXX 2017. But till now the money still not credit to the XXXX Account. i checked with this guy he said the money in on hold, due his default. i think he is telling lie. i wonder the consumerfinance are able to help me on this. i have transferred XXXX {$8700.00} from my XXXX XXXX to his provided bank account in XXXX. but he ask for more and threaten me that if i am not helping him again, his account in Jpmorgan Chase Bank will hold his transaction to me. i hope consumerfinance able to help me on this. XXXX {$8700.00} are my saving, i feel XXXX XXXX if i ca n't take back. <P/>i hope to hear from you soon. Thank you
Product: Debt collection

Attention Midland : The last correspondence I sent your company on XX/XX/2016 pertained to a demand for validation. Your company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.
Product: Debt collection

XXXX XXXX and a recovery agent from XXXX New York ( XXXX ) XXXX have called my daughters telephone asking questions about me. They have also peppered my girlfriend with questions. Both are illegal. They called my girlfriend this morning. Shes not in default or collections. They have no reason to contact either of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request deletion of the following inquiries in my credit profile : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX. I am a victim of identity theft and do not recognize making these inquiries. I ask that the items be verify and deleted to correct my credit report. Thank you very much for your time and service.
Product: Student loan

My son 's Wells Fargo Student Loan went into default without contacting me. I have asked for all the loan documents but they just send me a copy of a copy of the loan request and some bills they said they sent. I have asked for all of the paperwork and documentation but they do n't send anything with who the loan Officer was or where it was done. I am totally XXXX out and confused on this since they say it 's default yet I 've been paying but they said they changed the account number and it is for $ 15,000+ dollars but they loan should be for like {$5000.00}. I think they rolled an additional loan on to an old one. Now my credit is shot and I 'm still paying. Why wo n't they send all the documentation or help? I have asked and asked but the give the same answer. It is so sketchy, if it is really legitimate why not send what I 'm asking for? I would n't mess up my credit like this ever. I just got a regular loan bill in the mail, it 's like they 're trying confuse me by sending different letters from different people days apart and still the bill that shows a payment of $ 10.+ due.
Product: Debt collection

Negative information was entered on my credit report without my knowledge. I was denied my legal right under the FCRA to receive enough information to verify the debt and was denied the legal right to dispute the validity of the debt. I filed a complaint with the credit reporting agency informing them that I had no knowledge of the " alleged '' debt. The company never made contact with me to discuss or sent any type of letter to follow up. they only responded to the credit reporting agency that everything was correct and valid under FCRA. That's not true. The company denied me every legal right to look into it before taking this adverse action.
Product: Mortgage

My mortgage company, Specialized Loan Servicing LLC, based in Colorado, is using investor guidelines for PMI removal that are in excess of what is allowed by the Homeowners Protection Act of 1998. Specifically, SLS is attempting to impose a seasoning requirement on my mortgage before they will remove PMI. I sent a letter to SLS explaining why the seasoning requirement is not enforceable. SLS sent a written response stating that the seasoning requirement is valid. I am sending another, more detailed letter to SLS at the same time I am submitting this complaint. I will attach copies of all of the relevant correspondence. 

Additionally, I recently received the annual PMI disclosure notice from SLS. The annual disclosure notice does not mention a seasoning requirement. It appears that SLS does n't mention a seasoning requirement until you write to them requesting that PMI be removed.