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

I have been a loyal customer of best buy and their credit card for over 10 years, never had a late payment in that time and had always paid the account in full. I had recently moved from XXXX XXXX to XXXX and had changed my email address and physical address in their system so that I would receive the bills. Unfortunately, I found that it was never changed and everything was being sent to my old email address and the bills were being sent to my old physical address. At this time, I was also having trouble logging in to their system and was trying to get that fixed. I called the company a few times and spoke to numerous people. I let them know that I had paid the account in full and set up automatic payments. I also had them change my address as well as my email address. I was then told by one individual that they would remove the late charge and gave me a number ( which went to nowhere ) to have the late payment removed from my credit. I called back yet again and spoke with someone who was less than helpful and treated me like a person that doesnt pay their bills. I asked to speak to a supervisor, he filled out a report and stated that it would be sent to a review board. I did tell him that one of his employees let me know that it would be removed from my credit report, that was not honored. I received a letter in the mail that my dispute had been rejected and that their reporting was correct. It seems as if none of the other issues were taken in to consideration. They stated that they would send my dispute on to the credit bureau within 30 days, however it was never sent. This is why I am writing this dispute now. I take pride in my credit scores and they have been in the 700s to 800s. I have had 2 mortgages, car payments and student loans that have all been paid on time. Now this has tarnished my credit report because they made a number of mistakes that they did not own up to. 

I reported the company to the XXXX XXXX XXXX, I received a letter from the company stating that the information was correct and that I should not have been told they would remove the missed payment from my credit report. They stated they had tried to contact me but my number had been disconnected. This is a fabrication as I have been using the same number for over 20 years and I never received a call from the company ( my phone number was also listed in the complaint ). They provided me a number to customer service if I wanted to discuss more, but I have already dealt with them. Nowhere in the letter did they acknowledge that they had the wrong contact information, including email, or that I had attempted to change it and it didnt register in their system. I feel that if they had those things correct I would have received notice that my payment was late and it would have been made before it became a missed payment. This was their issue and I feel like it has been placed unfairly on me. I was not satisfied that they were going to send to the credit bureau that I disputed the claim.
Product: Debt collection

XXXX XXXX XX/XX/2024 To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX  Account # XXXXXXXX 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 a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX  NO ONE SENT ME PROPER DEBT VALIDATION DOCUMENTS FOR ABOVE ACCOUNT. 
THIS ACCOUNT ARE reporting inaccurate information to the consumer reporting agencies AND YOU ARE NOT PROPERLY VERIFYING THE INFORMATION. The false information has severely damaged my reputation and livelihood. I have asked you to properly verify all inaccurate information on these account more than 30 days ago and you have not done your due diligence. 
PAYMENT HISTORY, ACCOUNT BALANCES IS nonpublic personal information. I NEVER GAVE THESE ACCOUNTS ABOVE THE RIGHT TO REPORT MY PERSONAL INFORMATION TO YOUR CREDIT BUREAU. 
YOU the third party reporting bureau and blindly damaging my credit file to disassociate me from other lending institutions. 
ACCORDING TO LAW YOUR BUREAU IS clearly in VIOLATION OF THE LAWS BELOW AND I WILL PURSIUT {$1000.00} PER VIOLATION IF ACCOUNTS ABOVE is not removed. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 I DEMAND you to CEASE AND DESIST the reporting of inaccurate information from my credit file. DELETE all accounts from my credit report within the next 10 days or I will file litigations to redeem all penalties your company will be liable to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consumer ID number is XXXX. My name is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX. I received my ChexSystems report and discovered that there are inquiries way over the FCRA statue of limitation exceeding the two years the law allows with the following dates XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX..including more. There are over 14 inquiries on my report in violation to the FCRA. The dates of these inquiries have exceeded the statue of limitations by law!! All these inquiries need to be removed off of my Consumer Report. In addition to this matter there is a source of information reported titled XXXX XXXX XXXX that is not related to me. This account needs to be removed. Please send me my updated current ChexSystems Consumer Report.
Product: Debt collection

My name is XXXX XXXX XXXX I had filed a previous complaint against XXXX XXXX XXXX complaint # XXXX I called them today @ XXXX and asked for a XXXX XXXX Desk XXXX l2nd letter received from them when I asked to validate the debt. 
When I asked XXXX if he was a collection supervisor or collections department manager he paused, I asked him again if he was a collections manager or a regular collections rep, he responded " I am a collections manager, I asked if he was the departments collections manager. XXXX XXXX then said " I have collection accounts that I manage '' I advised them that why did he say he was to collections manager since that was misrepresentation to his company. I asked for his collections manager and all he kept doing was going in circles saying the same thing. I who is you collections manager again then he hung up. XXXX XXXX Desk XXXX has violated the FDCPA for claiming to be a collections manager.
Product: Prepaid card

Ive been having some serious issues with my bank and how they handle my money and I need some serious help me resolve this asap! I was referred to Current ( XXXX XXXX XXXX ) prepaid debit account by a good friend and upon becoming a customer and opening an account, i experienced my 1st problem back in XXXX of XXXX  when a ton of fraudulant charges took place without my authorization nor my approval. On or around Friday XX/XX/2XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. We were able to return to our home on late Monday XX/XX/2023 to assess the XXXX  to our home and learned from several of our XXXX  that after we went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  our home had been XXXX  at least once if not more so we discovered that the suspect had stolen my wallet as it had been left on the dining room table, most of our jewelry was stolen, and a gaming console was also taken so we promptly contacted police and got a report and also called to cancel all my credit/debit cards just to learn of countless fraudulant charges that took place during our XXXX  stay so we disputed all those unauthorized charges and also provided a police report, XXXX XXXX XXXX XXXX XXXX visit, as well as a dozen witness statements from our neighbors that witnessed our home being burglarized but our claim and all apeals were denied. We got a letter in the mail from Current telling us that because we did business at one or more of the businesses that the fraudulant charges were done at, they determined that the charges are valid and they were denying our claim. Thats irrelevant that just because we did business at any of the same businesses that the fraud took place doesnt mean anything. Thats not damning guaranteed evidence proving those charges were by me at all! They must have solid proof the charges belong to me and i guarantee they cant provide that as i already provided proof where i was during that time! Then another situation surfaced again on XX/XX/2023 when we were going through our financial statement and discovered a charge made to a place called " XXXX '' for {$1500.00} and we again disputed the unauthorized transaction as weve never even heard of such a place named " XXXX '', but again our claim was denied. Current stated after review they decided that no error ever occured but thats not right! This is insane! How can any business be allowed to do this? I filed a report with you months ago i believe and you concluded that the bank did nothing wrong which is XXXX! How can all my stacked evidence that i gave them be overlooked? They claim they take all fraud etc very serious and conduct thorough review before deciding and thats hogwash otherwise i would not be reporting it right now!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wired {$100000.00} to Coinbase.com ( FDIC INSURED ), got an email on the same day saying my wire was being rejected because of a name mismatch and will receive the money back in 7-10 business days. Since then I have been writing, calling and making support cases on their website. I only got 1 computer generated response on XX/XX/XXXX, saying we will look into it. No further progress. 

This time period has caused me tremendous damage and I am paying 6 percent interest on the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Receivable Management Services Corp to pay a debt owed to XXXX XXXX XXXX  at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the R.M.S company and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
Product: Debt or credit management

am filing a formal complaint regarding a phone call I received on [ insert date of call ] from the phone number ( XXXX ) XXXX, which I have confirmed is associated with Financial Recovery Services , Inc. ( FRS ). 

During this call, the male representative repeatedly asked for my name and attempted to verify my identity. However, he refused to clearly identify himself, the name of the company he represented, or the reason for the call. When I asked what the call was about, he responded vaguely with something related to financial matters and continued pressing me to disclose my identity before offering any explanation. 

At no point did he provide : The name of the original creditor The amount allegedly owed Any account reference A reason for the call in detail This behavior made me feel harassed and suspicious, as it lacked transparency and could potentially be deceptive. I believe this is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to disclose their identity and the purpose of the communication before requesting personal information. 

I have not received any written notification of the debt, nor have I received any prior correspondence from this company. I have made no payments or acknowledgments of any alleged debt. 

I request that this matter be investigated and that appropriate action be taken to ensure that Financial Recovery Services , Inc. complies with federal and state regulations.
Product: Debt collection

Someone called my cellphone and stated that my husband had taken out a payday loan in 2017. They had the last four of his social. I stated that he never took this loan out and if I needed to contact a lawyer I would. He said have a nice day and hung up. Im very concerned they have personal info on my husband and my cellphone #. The # they called from was XXXX XXXX XXXX XXXX XXXX. What can I do to protect us from identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported that i closed this account and reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 


XXXX reporting a past due of {$380.00} reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXXXXXX XXXX reporting a late payment of {$320.00} reports two late payments for XXXX and XXXX XXXX XXXXXXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXX inquiry on XXXX This is a violation.
Product: Checking or savings account

I received an email from Bank of America stating that an XXXX XXXX Banking Account in my name was applied for, confirmation number XXXX. I do not bank with this bank. I tried to contact this bank, but contact appears to be impossible if you don't have an existing account with them.
Product: Student loan

On XX/XX/XXXX I requested a refund of {$6900.00} which is the total amount paid between XX/XX/XXXX to XX/XX/XXXX from EdFinancial Services. Currently, my loan balance is {$0.00}, which is not reflected of the refund I requested. 

Edfinancial Services did not provide a written confirmation for the refund request as they claimed they do not provide written confirmations. I have since followed up once through phone to check on the status of the refund because my loan balance is still not updated to {$6900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Credit card or prepaid card

XX/XX/XXXX purchased tickets to XXXX on XXXX XXXX. mid XXXX i try to reschedule or cancel with airlines told the flights will go. Dr suggest I do not travel to XXXX due to my age and XXXX. I contact airlines they refuse to help i am not able to understand options due to languaage barriers with some agents. I call chase they suggest dipute. I dispute and recieve a check in full late may..I am paperless, and due not check my statements until billing. I did not recieve notice on a reinstatement of these charges that WENT ON ACCOUNT XX/XX/XXXX. NOR DID I RECIEVE A STATEMENT FOR XXXX UNTIL XX/XX/XXXX, WHEN I SAW CHARGES CHASE SAID TOO LATE TO RE OPEN DISPUTE.??? I contacted XXXX  who cancelled my flight XX/XX/XXXX and refused to reissue a ticket and or my money. I have made 8 attempts via emails and calls to XXXX and chase all have refused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a XXXX  posted in USA for XXXX years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries? 

Portion of my credit score is also including student loan and mortgage loan but i am not a XXXX XXXX  and never took these loans. 

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.
Product: Credit reporting or other personal consumer reports

I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for XXXX XXXX to close this account due to it being fraudulent identity theft account. 
Instead of closing the account XXXXXXXX XXXX used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. 
They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. 
By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights.
Product: Debt collection

To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major XXXX XXXX ( XXXX XXXX  or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards
Product: Credit reporting or other personal consumer reports

there's a nagative mark with my name attached to it
Product: Debt collection

In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The Escape was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying Ford Motor Company Credit, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to Ford Motor Company. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.