23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

. I am writing to formally address several concerns regarding my Best Buy Citi Card account for the second time, which have not been adequately resolved despite previous attempts to seek clarification. 

1. **Account Closure Without Proper Explanation : ** On [ date ], I received notification that my Best Buy Citi Card account has been closed. This action was taken without any prior warning or explanation provided. I have been a responsible cardholder and have diligently maintained my account in good standing. The abrupt closure of my account has caused significant inconvenience and confusion. 

2. **Unexplained Fees : ** I have recently noticed several charges on my account statement labeled as Interest charges for XXXX purchases. I have not used this card in months but have been charged over XXXX worth of interest charges in the last 5 months. These fees have been applied without any accompanying explanation or breakdown as to their nature or justification. I request a detailed clarification regarding these charges. 

3. **Handling of Dispute Regarding XXXX XXXX XXXX Transaction : ** I filed a dispute previously concerning a charge from XXXX XXXXXXXX XXXX This charge was supposed to be covered under an insurance claim and should not have been billed to my account. Despite providing supporting documentation, Best Buy Citi Card investigated and denied my dispute, withholding the provisional credit associated with the transaction. This action was unjustified and adversely affected my access to funds. 

4. **Allegations of Retaliation and Discrimination : ** I am concerned that the closure of my account and the mishandling of my dispute may be retaliatory in nature, stemming from a prior complaint I filed with the Consumer Financial Protection Bureau XXXX CFPB ). I assert that such actions violate my rights under consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ). 

In light of the above concerns, I hereby request the following actions : - A detailed written explanation regarding the closure of my Best Buy Citi Card account.

- A comprehensive breakdown and justification for the fees charged to my account.

- Immediate resolution of the dispute regarding the XXXX XXXX XXXX  transaction, including the release of any withheld provisional credit. 

I trust that Best Buy Citi Card will handle this matter promptly and in accordance with applicable laws and regulations. Please provide a written response addressing the points raised within 30 days of receipt of this letter. 

Should this matter not be resolved satisfactorily, I reserve the right to pursue further action through the appropriate channels, including but not limited to legal remedies and additional complaints to regulatory authorities. 

XXXX XXXX
Product: Vehicle loan or lease

hi, on XXXX Around XXXX XXXX  I looked out of my back door window and notice our car was missing from our drive way I immediately told my wife then picked up the phone to call the cops and couldn't find the vin : # because it was in the glove box along with other important papers so I called west lake financial our leading provider to ask them for the vin : # which I new would be required by the police only to find out from it was west lake that had taken our vehicle so I asked them why had they taken our vehicle and was told because we Haden made a payment since XXXX which was a lie because we had conformation E-mails from west lake Financial confirming that they had received payments from us in XXXX  so then the west lake reps began trying to denies there own E-mail conformations I then requested to speak to a supervisor or manager and was denied and further told by a west lake rep that the only way for me and my wife to get our vehicle back would be to pay XXXX in cash
Product: Mortgage

I have been having a problems with bayview loan servicing before the year 2013.They always say that my payments are late and charging me a late fee even when I send my payments 2 or 3 weeks ahead of my due date. They have been holding my escrow going on 3 years, bayview sends me letters two or three times a month saying my mortgage is in default even though my payments are on time, they send alot of threating letters saying I 'm 3 months behind on my mortgage.They robo call me over seven times every day even after XXXX in the XXXX and on weekends.Bayview saids that I owe them over {$700.00} which I dispute in late fees, because they always make my payments late.I feel that I 'm being taking advantage of because I am a senior citizen. bayview Ioan servicing, LLC XXXX XXXX De XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A listing of the companies that made inquiries on my behalf that i did not give permission. For example XXXX XXXX made 2 inquiries on the same date XX/XX/XXXX, it should have been one inquiry. FACTUAL DATA XX/XX/XXXX, XXXX made several inquiries:XXXX ( twice on the same date ), XX/XX/XXXX. XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX  I can not remember the date on this one. All of the above companies made this inquiries without my permission except for XXXX in which should have been one inquiry for my Solar Panels. May also add that all three Credit Bureaus were informed of this mistake and their answer was that that : '' I had to write to the creditors to have this inquiries removed and I was told to put a credit freeze on my accounts if I did not want anyone to check my credit without my permission. The inquiries were NOT removed by neither of the three Credit Bureaus. This is to name a few. Please do not include XXXX XXXX  XXXX XXXX, XXXX XXXX on the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

REF Complaints # XXXX Dear Citi Card and Federal Trade Commission!

I am disagree with the solution for the complaints # XXXX ( Attach you will find the receipt Date XX/XX/XXXX ). I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} ) on which I file a dispute. Here are that merit a dispute/the receipt : X I only authorized this merchant to charge me one ( 1 ) time in the amount of {$4.00}. I did not authorize any other charges from this merchant. ( See Receipt ) X The receipt said the cost of this item only {$4.00} NOT {$89.00} or {$94.00} NO part of this receipt approve merchant send their product to my home more than once X NO part of this receipt asking the buyer cancelled to avoid future billings X The merchandise never arrived and the item never was delivered to my door.

X My number one reason to file with FTC because Citi bank manager told me more than 10 times : The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant REF to XX/XX/XXXX Reverse {$89.00} OnXX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF toXX/XX/XXXXReverse {$89.00} o Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant o I told Citi bank more then 10 times : I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant.

The item never arrived the item never was delivered to my door.

Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

o Citi bank said/reply more than 10 times : You support to file as dispute NOT fraud The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant I certify that the information I provided is accurate to the best of my knowledge.
Product: Student loan

I have a student loan with XXXX/JP Morgan CHASE BANK. First part of accont number is XXXX. My name is XXXX XXXX. Was XXXX XXXX at time of loan. My account is currently in deferral. I have contacted this company on several occasions. XXXX sends me back to JP Morgan Chas and JP Morgan Chase sends me back to ACS. I can not get any assistance with this matter. On XXXX of 2013 my student loan was reported as ok. Then on XXXX 2013 my loan is reported as sixty days late! This is impossible. How can you be 60 days late when you were ok the month prior. I am currently applying to XXXX school. This 60 late is incorrect and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/2023 via phone and XX/XX/2023 to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX dollars of late fee due to their system issues and I paid my balance down to XXXX dollars. I don't feel I should be penalized for their system errors.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS REVVI/MRVBANKS/VT Date of inquiry : XX/XX/year> Please remove it from my credit report.

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

My card was cancelled and a new card ordered so now my money is tied up. No one EVER answers the phone. The chat or online messaging directs you to call so youre caught in a vicious cycle with no resolution. 

I am homeless and receiving mail is unreliable.

I also had ( 2 ) charges made unauthorized for XXXX only one was refunded.

My unemployment direct is set to go to this account. PLEASE help me.

I am XXXX  I Never reported card lost or stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.
Product: Credit reporting or other personal consumer reports

I have not provided XXXX XXXX XXXX with expressed written consent to share my credit card ( ID, SSN, etc. ) with Experian or any other entity as this is a violation of 15 U.S. Code 1681s-2. As of 7/31/2023 Experian provided me a report that has the account of XXXX XXXX XXXX as " DELETED '', as I will share a copy of said report. I then went to Experian.com to monitor my credit and observed that Experian had unlawfully and in violation of the above code reported the XXXX XXXX XXXX account with derogatory information that has resulted in adverse action in my pursuit of obtaining personal credit lines. 15 U.s. Code 1681s-2 and 15 U.s. Code3 1666a, b are blatantly being violated by Experian. In addition, the reporting of the XXXX XXXX XXXX does not match the reporting of XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

in response to report # XXXX. for XX/XX/XXXX I requested corrections be made to my credit report that were inaccurate then received letter stating that they don't believe that was sent in wasn't me. on XX/XX/XXXX I called XXXX about this letter they stated that I have to send in my dispute again because they don't believe it was me when I sent in my license a letter from the IRS bank statement birth certificate proving who I am and the only address that I should be associated with. I am aware that this stall letter is nothing more than a way to finagle more time
Product: Bank account or service

Early Warning LLC, XXXX, XXXX, AZ XXXX ; phone # XXXX Early Warning has my name in their database and they are reporting me to all XXXX Banks and informing them of some issue that was resolved by my Chapter XXXX Bankruptcy with XXXX In XX/XX/XXXX, XXXX had placed my name with Early Warning, XXXX without my knowledge as all of my bank accounts were closed because of this XXXX issue. It 's XX/XX/XXXX and still I ca n't even open a new bank account here in Washington state or any other state because of this " Early Warning '' against me. All debts and issues with XXXX has been resolved already with my Chapter XXXX Bankruptcy filed XX/XX/XXXX and XXXX XX/XX/XXXX. I have notified XXXX and XXXX and they have complied with XXXX Bankruptcy XXXX order ; however they failed to remove my name with " Early Warning LLC '' that is preventing me from opening my new Bank Accounts. XXXX failed to comply with XXXX Bankruptcy XXXX. XXXX complied with " XXXX '' out all debts with XXXX, I do n't owe XXXX anything all debts were XXXX via Chapter XXXX Bankruptcy Case # XXXX. XXXX needs to follow through and comply with XXXX Bankruptcy Law, if they XXXX all debts with XXXX then they should remove my name from " Early Warning '' because everything is XXXX and done. " Early Warning '' should be notified of my Chapter XXXX and that XXXX has XXXX all debts and issues and that my name should be removed from their database as XXXX, so that I can open a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to obtain my credit report for the past several years online. Each time I attempt to get my report, I get a message that says I have to mail in copies of w-2 form, driver 's license etc. When I call Equifax 's customer service, I am told report can be mailed to me and it will take 5-7 days to reach me. I don't understand how the two other credit reporting agencies can provide this information online and Equifax does not. I shouldn't have to go through this unnecessary action each time I request my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX  - No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX  - No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX  XXXX XXXX account and a XXXX XXXX account on my credit report. these accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, Transunion has failed to remove an erroneous Alert from my address ( XXXX XXXX XXXX XXXX Fl, XXXX ) on my Credit Report stating it is " temporary '' and not residential. 

My address ( XXXX XXXX XXXX XXXX Fl, XXXX ) is my family 's house which I have lived in for over 10 Years. 

I sent Transunion the documentation they requested early this year ( 2019 ), and they failed to fix the problem. 

I just got off the phone with a Transunion at around XXXX on XX/XX/2019. The Transunion Representative lied and did not know what he was doing! First he stated the problem was that the bank statement was not recent. I asked him " Was it recent when I was told to and sent it in? ". The Transunion staff member Transunion is poorly training to help us American Citizens with our crucial life determining credit files then immediately " Oh. The problem is the license scan is not readable. ". Not only was that a pathetic lie that contradicted his own previous sentence, but I made certain the license was legible. Us American Citizens ' welling being is at risk due to Transunion 's carelessness! 

I am included updated scans in this complaint.
Product: Credit card or prepaid card

I was charged interest on a balance that was paid in full
Product: Credit reporting or other personal consumer reports

MOHELA, as servicer for the Department of Education negligently and recklessly continue to violate my rights per the 1974 Privacy Act and 15 USC 1681b, which states in part that " written consent '' must be provided by the consumer for information to be reported on the credit report. Additionally, my credit report is " frozen '' and has been in such status since XXXX, across the following credit reporting agencies specifically on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. Thus, no additional information should be reported on my credit report, nor student loan information should be reporting on my credit reports without my expressed written instructions or consent. I have the right to be forgotten under California Consumer law and under Federal precedent of the right to erasure. This is the fourth complaint that I have lodged regarding this issue and similar issues.