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

In approximately XX/XX/2017, the last of many regular/on time payments to my Best Buy credit card resulted in a credit of {$41.00} and change. ( all payments were more than the minimum to reduce the interest ). 
Consequently I received in the mail a refund for the {$41.00} & change, which I deposited to my checking acct. What I did not know, was that Best Buy also mistakenly electronically deposited the same amount to my checking acct. ( considering how unscrupulous Best Buy is handling this situation, one has at least consider the possibility their actions are intentional to extract a Black mail payoff ) After several threatening Robo calls, I called Best Buy to inquire how I could be charged late fees and interest on an account that was paid in full, and resulted in Best Buy issuing a refund check. Even the Best Buy people I spoke with didn't know why, until their investigation revealed their mistake. ( Because I had already seen a physical check, I never thought to be watching my checking acct. for another ( erroneous ) deposit. ) As soon as I learned of their mistake I returned the {$41.00} & change. 
Despite Best Buy acknowledging their mistake, they insist on charging late fees and interest for the {$41.00} & change for the 2 months that NO ONE knew of their mistake. They continued to increase their penalties up to a total of {$430.00}! 
After I disputed these dishonest penalties they charged off {$310.00} and continue to report that amount as Past Due. 
My next step will be to sue Best Buy!
Product: Debt collection

I have contacted the company on several times, requesting them to validate accounts that they are saying are mines. However, the company has sent me duplicates of billing statements in an event to validate the accounts. This is not proof that the debts are indeed mines. In order to resolve these accounts, I need the company to verify these accounts by providing a signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent dispute with the company, I sent out 4 letters via certified mail and did not receive a response. Final notice, intent to file suit sue was sent on the XX/XX/2018. Prior to that, I sent the 3rd dispute letter on the XX/XX/2018, a 2nd dispute letter of the XX/XX/2018, and initiated the dispute process on the XX/XX/2018. I received no response or remedy to said letters or issue.
Product: Mortgage

We applied for a VA mortgage through XXXX. They sold the loan shortly after closing ; however, we were not informed until after we submitted our first payment. This check was cashed by XXXX on XXXX XX/XX/2020. Upon being informed of our new mortgage company, Plaza Home Mortgage, I reached out to them on XXXX XXXX. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX To : XXXX Subject : Previous Payment Confirmation Date : XX/XX/2020 XXXX AM XXXX Good Morning : I am reaching out to confirm our previous mortgage company provided you with a payment we made prior to us benign informed they had sold our mortgage to Plaza Home Mortgage. XXXX was atrocious to deal with and I have little faith that they will communicate with you all. I have attached a copy of the cleared check. If you can assist in ensuring this previous payment is credited to our account ( ending in ), I would greatly appreciate it. Please let me know if there is anything further you need to complete this process. Thank you in advance for your time. 

- XXXX They responded on XXXX XXXX : Dear XXXX, The account is current when we acquired the loan on XX/XX/2020. The next due date on the loan is on XX/XX/2020. If the payment you sent was for XX/XX/2020 due and mailed to your previous servicer, do not be concerned or stop payment on your check. We will work with XXXX XXXX XXXXXXXX XXXX to expedite the transfer of those funds to us. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at XXXX or call Customer Care at ( XXXX ) XXXX during the following hours : Monday Friday XXXX XXXX ET XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The situation has yet to be resolved. I have attempted to contact the mortgage company two additional times since XXXX XXXX but our account still has not been credited with the first payment made in XXXX.
Product: Payday loan, title loan, or personal loan

Mobiloans LLC is trying to charge me a Usurious interest rate of XXXX XXXX on a loan of {$1800.00} Account Snapshot XXXX Approved Credit Amount {$1800.00} Current Principal Balance {$1700.00} Current Fees {$230.00} Total Account Balance {$2000.00} Total Past Due {$150.00} Total Amount Due {$300.00} Scheduled Payments XX/XX/2022 Past Due Payment {$150.00} XX/XX/2022 Minimum Payment Due {$150.00} Transaction History : See Attached Transaction Summary
Product: Credit reporting, credit repair services, or other personal consumer reports

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Product: Credit reporting

I discovered that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, has a collection of {$640.00} on my credit report. I telephoned the company and was informed the collection that they submitted was not submitted under my social security number. However, the collection appears on my report.
Product: Credit reporting or other personal consumer reports

They said that I broke terms of a lease back in XX/XX/XXXX I asked them for at least but they couldn't produce one because I never signed a lease therefore they put my name in the credit bureau saying that I have an unpaid debt of {$12000.00} I never gave them any money for a lease or signed a lease nor neither did I move in an apartment never even seen an apartment so they put my name in for a credit debt which I think is fraud. They are trying to collect a debt that is not mine and there is no agreement with my name please resolve this situation as soon as possible so it can be removed off of my credit thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX that I submitted to Equifax. The complaint was closed because they stated that the company was not reporting on my report when in fact it is, they are just reporting the wrong name which is even more reason for this account to be removed. The original creditor is XXXX XXXX and XXXX and XXXX are reporting the collection agency as XXXX XXXX and XXXX XXXX while Equifax is reporting XXXX as the agency name. Please see the attached credit report to show the inaccuracy that is reporting as well as the last complaint advising the credit reporting agencies to remove the account due to incorrect information and the fact that the original creditor stated that the account would be removed once paid. I am demanding that this is removed within 15 days, or I will move forward with legal action.
Product: Vehicle loan or lease

Used vehicle loan XX/XX/2020 Consumer Portfolio Services IncXXXX {$16000.00}, 22.25 % XXXX XXXXXXXX payments totaling {$10000.00} paid to date. Principle paid $ XXXXOnly two payments were late. $ 416 monthly payment applies {$110.00} toward Principle plus a {$14.00} fee to process each payment. Attempting to sell the vehicle to a dealership. Consumer Portfolio Services , Inc. is not cooperating with attempts to obtain the pay-off amount over the past several past months. At least ten attempts were made to request a letter with compounded interest the way the buying company needed. Unable to obtain on letterhead. Unable to get quote modified according to XXXX request. XXXX said they could be reached on Saturday but no one answered the phone. They would not cooperate to do a three-way call. Another company is interested at a lower rate with the same problem of communication. XXXX is the next challenging attempt to sell the vehicle and get out from under the high interest rate.
Product: Checking or savings account

I received spoofing calls that were exactly as same as ICE and the local police department. Scammers were planned and cooperated well, and I was convinced to install an app on my mobile phone which gave them access to my mobile accounts. I noticed the transactions immediately, deleted the app, and drove to the closest Chase bank within 15 minutes of transactions. The banker told me they couldn't stop the transaction even though the transactions were still pending which lasted until the next day. I contacted their fraud detect depart and XXXX and made a claim, after a day of struggling because they kicked responsibilities to each other and transferred me to at least 10 different bankers ; after I insisted to follow the process of how they conducted investigations, bankers on the phone told me they would give me the claim number but wouldn't investigate at all since my case wasn't an obviously fraud ; from my understanding, my hard earn XXXX dollars just gone because they didn't want to stop the scam.
Product: Credit card

In XX/XX/XXXX, I discovered my Citibank card had been hacked. I went online to pay my bill, and discovered a huge balance. I called immediately. I was told the account would be closed and I needed to pay the balance in full, including recent charges that had not shown up on a statement yet. I paid in full the amount I was given. The account was closed and a new one opened. 
I received a statement for the new account with a balance of $ XXXX, although I had not used the account since I had paid it off. I called many, many times to try to find out where the balance came from - no one could give me an answer. Month after month after month I received harassing phone calls and letters, and they continued to send me statements with late fees and interest. I refused to pay until they could tell me where the original balance came from. Long story short, it took from XX/XX/XXXX to XX/XX/XXXX, with much correspondence with the XXXX ( complaint # XXXX ), for them to FINALLY show me what the charge was for. Turns out the charge was legitimately mine - I was told it hit the old account the same night it was closed, thus did not show up when I was given my final balance, but did carry over to the new account. I had no problem whatsoever paying the $ XXXX ( and did so immediately ), but no way was I going to pay late fees and interest when it was them that could not provide the information I needed to begin with. They did remove the interest and late fees as a 'courtesy '. 
I later discovered when I checked my credit score online that they have dinged my other-than-this-perfect credit report with a 'missed payment '. I have appealed to them XXXX to have it removed, but they claim since it was not a 'bank error ' the ding remains. My stance is while they may not consider it their 'error ', it certainly was their inability/unwillingness to provide the information I required for ten months that caused all this, and is absolutely in no way, shape, or form the result of any fault on my part. Quite the opposite - I tried for almost a year to resolve the issue with no cooperation whatsoever from them, only harassment. 
Thank you for your help with this matter.
Product: Debt collection

XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt )
Product: Credit card or prepaid card

The credit card company charged me an annual fee when I never authorized payments on the new card. In other words I never called in in authorized a new card I received.
Product: Credit reporting

I have been a victim of identity theft and i 'm trying to dispute inaccurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation of FCRA and is civilly liable for willful noncompliance for failing to comply with a BLOCK request despite received the supporting identity theft documents. 
On XX/XX/2022, I submitted a BLOCK request to EQUIFAX regarding fraudulent account, XXXX XXXX, that is on my credit file. As per 15 USC 1681c-2, once a Credit Reporting Agency receives a lawful identity theft report it must BLOCK the fraudulent account within four business days, which it failed to do. 
Instead, EQUIFAX responded to me on the sixth day stating that my dispute results were available online. The results, posted on your portal, came in the form of a credit file, which states that the XXXX XXXX account was verified as mine. With that said, I am requesting that EQUIFAX provide me with a description of the procedure used to determine that this account is actually mine. 
Also, by EQUIFAX making the claim that the account has been verified as mine, are you declining to BLOCK the fraudulent account? 
As per 15 USC 1681c-2 to decline a block you must have reasonably determined : ( A ) a block was requested by the consumer in error ; ( B ) a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
EQUIFAX must provide material proof for points A through C that resulted in a reasonable determination to decline block.
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 Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  Account # XXXX, Account name : XXXX XXXX  Account XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

and according to 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 or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : XXXX, TransUnion, and XXXX. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report. 

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 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 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: Credit card or prepaid card

This is in reference to the preceding complaint : XXXX They ( Barclays Credit card company ) are now wanting me to connect to a 3rd party site to supposedly view their findings on their investigation. I do not know the site they are wanting me to connect with, am I concerned it might be some type of scam they are trying to do. 

I thought they are supposed to report back to you, I would prefer this because I trust this agency. 

Thank you for any help in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and account that I am disputing : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX  XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXF Date of inquiry XX/XX/2021 AXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Product: Debt collection

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information.

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Affirm * Account Number : XXXX  Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt.

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

On XX/XX/2018. I went online to make a payment in the amount of XXXX. On the XXXX XXXX XXXX I checked the account that I made the payment from and noticed the money hadnt come out. I called capital one to see what couldve possibly happened and they told me to give it at least 3 days. I called back on the XXXX and was informed that I accidentally entered the account number incorrectly by ONE digit. We corrected the issue and the payment was accepted and processed. 3 weeks later Capital One closed my account without notice or an explanation. I was never notified via mail or phone call. I attempted to make a purchase and my card was declined at the register which was extremely embarrassing.
Product: Money transfer, virtual currency, or money service

I am looking/hoping to get a grant for disaster relief. It is for XXXX XXXX. My XXXX name at PNC bank is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. It is with XXXX XXXX Grant program of Pennsylvania. The company it is going through is XXXX XXXX XXXX. I need to link up PNC in order to get the funding but am unable to. Is there anything I can do asap to help with this? I have a XXXX XXXX  and was out of business for three months. 
Thank you. 
XXXX XXXX