23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

they said i was approved for XXXX dollars told me my monthly payment all they needed was to have access to my account so i game them my account information my pass words everything they ask for as soon as they had the information they said i was not approved a bunch of liars is all they are
Product: Credit reporting, credit repair services, or other personal consumer reports

Orginally I had an   XXXX   XXXX   XXXX   (   XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score w ent up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?
Product: Debt collection

I have contacted them and try to rectify the situation and let them know that this was an alleged debt and that they are violating multiple Federal laws.I also stated that our most recent calls are being recorded ( which I can provide to or at any legal proceedings ) The calls has been recorded numerous times and they keep saying that I owe alleged amounts which they can not do legally they also tell me they have the right to tell a consumer that they owe a amount which is illegal they were committing to fraud. Under 15 usc 1692 D no debt collector is allowed to harass or abuse. As stated above I am being harassed via mail, phone, and severely negative impact to my credit report. I told them I do not owe this alleged debt and refuse to pay ( Debt validation 1692c ( right to refuse pay ) but they werent being helpful and trying to use deceptive methods to get me as a natural person for verify and alleged debt. FDCPA violation. Debt collectors can not verify anything I shared that I that I did not want my information shared because I have a right to privacy and they were not given any prior written instructions to share my information. They have called me about three times which they admitted to amd sending letters with all of these things were very inconvenient and according to 15 USC1692 k I have The legal right to request compensation for punitive damages and physical damages my credit score has been severely damaged as a result of this I got high interest rate on a consumer vehicle because of this it has cost me time it has cost me money it has also cost me headaches and it is damaging my relationships with other individuals and other corporations I gave them today as of today which is XX/XX/2021 notice that I am requesting payment of at least five federal violations I do not agree to settle I request that these funds will be sent certified mail to the address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received orders to deploy immediately via permanent change of duty station and had to move out of my apartment with short notice. The apartment complex was XXXX on XXXX in XXXX Texas at XXXX XXXX XXXX XXXX. Upon move out a water valve in the apartment for the washing machine failed and caused flooding. This equipment failure has nothing to do with my actions and caused a very stressful situation in my apartment trying to get the water shut off. The apartment complex added almost {$400.00} in water abatement fees to my final rent statement, which I disputed as I was not at fault in the matter. During the dispute timeframe XXXX on XXXX changed management companies and the new management company ignored my dispute and sent the statement into collections. Rentdebt inc received the collections notice and notified me. I contacted XXXX on XXXX to continue the dispute and explain the situation. XXXX on XXXX offered to review the final statement and while I awaited the results of their review the account formally entered collections. I have contacted rentdebt and paid the original amount owed in XX/XX/XXXX as I felt there was no recourse for me. I am a federal employee with a clearance and I am applying for new federal positions which do not accept applicants with accounts that have been in collections ( Army Chaplaincy and a federal law enforcement agency ). I know there are consumer protections to prevent property management companies like XXXX on XXXX from erroneously charging excessive or unfair fees upon move out but at this point I feel like a victim of a massive real-estate company sticking me with the cost of their lack of building maintenance and have no other recourse than to continually dispute the entire affair. I have explained the situation to Rentdebt inc and they have refused to remove the account from my credit report. I have disputed via XXXX   twice with no change. Please investigate and assist me with this predatory leasing/landlord situation. XXXX on XXXX leasing office can be contacted at XXXX and rentdebt inc can be contacted at XXXX. I can be contacted at XXXX.
Product: Checking or savings account

Recived a XXXX  payment from a third party. 

Sender reported transactions afterward intentionally, tried ton dispute with bank but have been denied by several banker and managers, have several evidences to support case but have been denied and discriminated. 

They stated that account will only be hold, investigated and closed without any further explanation on why and how to amend or dispute/ or show evidences of case. 

Have a consistent case from my side.
Product: Checking or savings account

I received a refund from XXXX XXXX  XXXX for NSF charges charged to my account. I was hoping Chase Bank would follow and do the same thing, but nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and 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 The credit bureaus have failed to follow the law and have constantly ignored my requests to delete and remove these accounts from my credit report.
Product: Debt collection

This company comes up on my phone as XXXX  XXXX. I called the number back and asked the name of the business and where they are located. The lady said Client Services , Inc. in XXXX XXXX, MO. They call several times a day from different numbers, but it's most always from area code XXXX, with the exchange of XXXX. As soon as I block one number, they use another one. However, in the past week, they have began to call before 8 am. Repeatedly. I have lived in the state of Texas for over 12 years. I'm in the central time zone. If the caller is unaware of this, they are more than likely trying to collect stale debt. I have received no written communication for a company with the name of XXXX  XXXX about any debt owed.
Product: Credit card or prepaid card

Purchased an awning from XXXX XXXX XXXX XXXX who uses XXXX XXXX credit card services. XXXX XXXX credit terms was 12 month promotion ending XX/XX/XXXX, deferred interest. The purchase was XX/XX/XXXX, for {$6500.00}. The product was delivered XX/XX/XXXX and payments commenced XX/XX/XXXX, minimum payments were {$260.00}. I have consistently made the minimum monthly payments until XX/XX/XXXX when I made a {$4500.00} payment reducing the balance to {$1200.00}. Despite the new balance of {$1200.00} which a minimum payment of $ XXXX would pay the balance off by XX/XX/XXXX ; XXXX XXXX XXXX XXXX same minimum payment which would accelerate the pay off and would prevent me from taking advantage of the 12 month promo period. I have spoke with multiple representatives ( XXXX, XXXX, XXXX, and XXXX ) from Green Sky they insist on imposing the minimum payment which is not stated any where in the contract I see or they can point out. If I don't pay the minimum they will report it the credit bureau adversely affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my consumer report that I didn't authorize and don't recognize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of Accounts Due to Data Breach Dear XXXX, I am writing to formally dispute the presence of accounts on my credit report that were compromised as a result of the 2023 XXXX data breach, where my personal information, including sensitive financial data, was exposed without my consent. This has been confirmed via .XXXX, engagement # XXXX. The breach exposed millions of consumers ' data, including mine, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and other applicable privacy laws to request the immediate removal of any accounts linked to this breach.

As the breach has left my personal data vulnerable to potential identity theft or fraud, I am requesting that you remove all such accounts from my credit report. Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into disputed items, and if you fail to verify these accounts as accurately linked to me, they must be removed. Should you fail to comply with this request, you may be in violation of 15 U.S.C. 1681n, which allows me to seek statutory damages for willful noncompliance with FCRA requirements.

Additionally, I request that you provide verifiable proof of each account linked to me, including the chain of assignment/custody and the original signed documents that verify I opened and/or signed for these accounts. If you can not provide this documentation, I expect the accounts to be immediately removed from my credit report.

Please be advised that any failure to remove unverifiable accounts may also be subject to penalties under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, as unauthorized use of my information constitutes identity theft.

Should you fail to investigate this matter or provide the necessary proof of debt, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under 15 U.S.C. 1681o, which provides for civil penalties for negligent violations of the FCRA.

Enclosed Documents : ID & proof of residence Identity theft Report Credit Report Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX and I also sent one on XX/XX/XXXX. I haven't receive a response in over 90 days. This shouldn't even be possible that they can operate in this manner. they have 30 days to respond. It's well over that. How can they just break the laws and do what they want to.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a stranger posing as a needy person wanted to make a call from my cellphone. I gave him the phone to make a call after he made the call I saw an email notification from my XXXX that XXXX $ was sent to some unknown person using my XXXX in Bank of America account. I have asked the bank created the claim for the same. After 10 days bank denied the claim. Asked me for more evidence and then I have provided call logs and police reports. After a few days, they denied the claim. I have asked them to provide the document they used to conclude that. but I have not got any emails for the same. I have asked them again for reconsideration for the same claim
Product: Credit reporting or other personal consumer reports

I sent a dispute regarding incorrect personal information on XX/XX/2024. After 31 days I checked my credit report, and nothing had been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the equifax breach I have been unable to work. My computers have been hacked into as well as my entire neighborhood. I have been accused of the data breach and without employment I am no longer to provided for my family.
Product: Credit card

I was charged {$96.00} on my Capital One Quicksilver card on XX/XX/year>. This was for an automatic renewal of a service I had with XXXX. They stated that it was automatically renewed since I didnt cancel it in advance, stating they had sent me a reminder of automatic renewal on XX/XX/year>. I never received this notification. I have reviewed both my inbox, SPAM folder and trash folder and have found no reminder via email. I called them on XX/XX/year> to ask for a refund since I no longer wanted the service. They told me it wasnt their policy to issue refunds. I have asked them twice to actually produce the said email with no response. They just gave me the supposed date of the email. Again, no proof that it was actually sent. I told them I wanted to see the email for the date and time stamp. Again, no response. All I am asking for is my refund of {$96.00}. I have also reported this to my credit card company.
Product: Credit reporting or other personal consumer reports

I have recently examined my credit report and identified some unauthorized inquiries still reporting in Equifax and XXXX : Equifax : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 

XXXX XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

RSI ENTERPRISES Reported : XX/XX/year> + {$890.00} Needs Attention Original Creditor Name XXXX XXXX XXXX I AM A VETERAN WITH MEDICAL BENEFITS. THE MEDICAL COMPANY DID NOT USE MY MAIDEN NAME AND THEY USED ANOTHER NAME TO BILL WHICH I TOLD THEM TO CORRECT SO THE VA WOULD PAY. THIS DEBT IS INCORRECT THE LABS FAULT I CALLED TO CORRECT THIS MANY TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, 2020 my husband and I flew on XXXX   XXXX Flight XXXX from XXXX XXXX XXXX NY to XXXX Florida. In flight, we were offered an application for the XXXX XXXX. We were handed the application and a pen to complete it. We were told that it was a card with no annual fee and there is a special inflight only offer of XXXX bonus points to sign up. I believe this may have also been printed on the application also. The flight attendant strongly advised people to sign up as this was the best offer XXXX XXXX has even had. The next highest offer she said was XXXX points for a version that had a fee attached. In addition, the attendant said since there is no fee and and since XXXX pools points she recommended that husband and wives each fill out their own application so that they each would get the XXXX points. To obtain the bonus points all you needed to do was to meet a minimum spend about in the first few months. My husband and I to date have received only XXXX bonus points in our XXXX accounts. On XX/XX/XXXX I reached out to XXXX and they claim they have no such offer of XXXX points. I asked for a copy of our applications and they said they could not provide them. On XX/XX/XXXX I reached out to Barclay 's who manages the card and spoke with a supervisor, who also said they had no such offer and was 'sorry for the miscommunication ' and said the highest offer they had was the XXXX points for the card with a fee attached. I also asked for a copy of our applications and she said that the application department and has them and she could not get them for me. This was fraudulent and heavily pushed advertising on the plane while in flight and I am requesting that the XXXX points be deposited to my husband 's account and my account. I am submitting two separate complaints, one under my credit card number and one under his. Thank you.
Product: Credit card or prepaid card

So I have GM card with Marcus : by Goldman Sachs and I use there card rarely, however, I did have over {$750.00} worth of points I had earned over years, and I wanted to redeem {$280.00} towards a statement credit I had for a purchase of {$1300.00} I had made so I did the redemption, and they didn't redeem my credit balance, but took my points from me, I have called and gotten the run around, I saw where they used my {$280.00} rewards towards old statements from like XX/XX/2022, towards items I had already paid for, You can see on the Image attached they used my points toward previously paid items. 
Nobody has been able to assist me.
Product: Credit card

I sent this in a month ago, no reply Your XX/XX/XXXX letter Chase makes everything so CONFUSING by rebill, credit, rebill credit which obsfucate my search Here facts : please explain : My original request I was billed XXXX $ TWICE by merchant Here is result of chase statement entries : XX/XX/XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - Home insurance renewal, notification of rates doubling XX/XX/2020 - Requested Lexus Nexus report via Website, XX/XX/2020 - Received instructions to view Lexus Nexus report online, several instances of incorrect information including a lien judgement on a property I do not own. My suspicions are that this is adversely affecting my rates. 

XX/XX/2020 - Called Lexus Nexus at XXXX to start an inquiry into the incorrect information. They are unable to access my account and send a internal email message to a team that should contact me within 2 days. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told that I needed to wait longer to receive the call from the specialist team. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told again that my account is in a " protected status '' and can not be handled by the phone support team. They would send a third email to the specialist team to call me back. 

My Lexus Nexus report is full of a mixture of my Fathers ( Sr. ) and my ( Jr. ) history resulting in a large amount of inaccurate data. I need this resolved as I'm being forced to pay higher insurance rates based on a report they can't manage to fix.
Product: Debt collection

XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.
Product: Debt collection

This was reported to the credit agencies without an attempt to validate the debt and despite numerous attempts to get them to rectify after I was made aware of it on my report, they refuse to correct their records. 

I requested documentation to verify the debt and the documents submitted are fraudulent and do not address my issue of validation of the debt. 

The documents do not bear my signature and I did not obtain this loan. The address used is my old address and I did not live at this address when they are claiming the account was open. 

The bank account listed on these documents is not mine and the documents do not bear my signature. 

They continue to report this on my credit despite the numerous requests to validate. I am also opening up a case with Consumer Protection. 

I need this removed from credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/24 - XXXX XXXX XXXX ( {$320.00} ) reporting to all three agencies without my consent or acknowledgment. 
XXXX Portfolio Recov Assoc ( {$290.00} ) I have no knowledge of this account or its creditor XXXXXXXX XXXX XXXX XXXXXXXX ( {$1300.00} ) unfair practices on this account XXXX XXXX XXXX XXXX XXXX {$520.00} ) Inaccurate reporting
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX  {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX