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

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. My email is XXXX, my QVC account and Synchrony account are both attached to this name and email. 

On XX/XX/XXXX, I ordered a XXXX XXXX  XXXX  priced at {$1200.00}, agreeing to XXXX  easypay installments of {$250.00}, through the seller : QVC, using my Synchrony QVC card ( ending XXXX ). I paid for express, overnight shipping, hoping that they would provide signature confirmation and an accurate delivery date for such an expensive product. I was provided the wrong estimated delivery date of XX/XX/XXXX, it was delivered to my house when I was not home on XX/XX/XXXX, no signature was requested, and the package was nowhere to be found when I came home and so I consequently requested a refund. A refund was provided to me by QVC, and curiously a few days later, on XX/XX/XXXX, I received an email from QVC stating that they would no longer honor the refund. 

" Dear Valued Customer, Upon further research the refund for your claim of non-receipt on your XXXX is unable to be processed. Tracking confirms your order was delivered. If you feel this is still an issue you must dispute this charge with your credit card company. '' This was for Order # XXXX with QVC. 

On XXXX I went forward to submit a claim with Synchrony as QVC provided and then pulled back a refund despite my not receiving the merchandise, and provided proof to Synchrony in the form of a chat I had with the QVC representative . Synchrony denied my claim. My card is still being charged for this purchase, and I am now being told that Synchrony is closing my other accounts due to this unpaid transaction that I never received in the first place. I received notice on XX/XX/XXXX through XXXX of all people that my claim was denied, despite hearing nothing from QVC OR Synchrony on the matter. 

When I placed the initial chat to QVC to request a refund, at the end of the chat- I asked how I can save the transcript. I was LIED to by the QVC associate who told me to INCORRECTLY press the wrong button, and subsequently the chat I attempted to save as proof of the refund was deleted, and when I requested an email copy, or to be mailed proof of this transcript with QVC support, I was DENIED by QVC. Very, very shady business practices.
Product: Credit reporting or other personal consumer reports

In regards of my many efforts to address these inaccuracies through the appropriate channels, I would like to follow up that the credit reporting agencies have failed to take appropriate action to correct these errors. The continued presence of these late open accounts is significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed all necessary procedures as outlined by the Fair Credit Reporting Act ( FCRA ), providing substantial evidence and documentation to support my claims. Despite this, the credit reporting agencies have not taken the required steps to investigate and rectify these inaccuracies. 
I respectfully ask that you would assist me to take the following actions : Conduct a thorough investigation into the disputed late open accounts listed on my credit report. 
Promptly correct any inaccuracies found regarding these accounts. 
Provide me with a corrected copy of my credit report. 
Furthermore, I request appropriate restitution for any damages incurred due to the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Cash App is the main source problem so apparently the past few months or year I been hacked and or had transactions that were not mind or done by me. I contacted them and they keep giving me the run around. Found out today that Cash App consumers are eligible for a settlement agreement and I was one of those affected by several transactions and money I lost to gain back what I lost
Product: Debt collection

On XX/XX/2023 I was in a minor fender-bender accident in an XXXX rental car. XXXXXXXX XXXX # XXXX. I have rental coverage with my XXXX XXXX XXXX credit card and filed a claim with Card Benefit Services XXXX  claim # XXXX. 

Viking Client Services has been attempting to collect from me, their claim # XXXX. Apparently XXXX has turned the claim over to a processing company named XXXX. XXXX has claim # XXXX. Rather than contacting my insurance, XXXX has turned the claim to Viking for collection. 

I have reached out by phone several times to both XXXX and XXXX. Apparently XXXX has not responded to XXXX. XXXX informs me that it has been turned over to collections and that they can not recall the claim. 

I have informed Viking that this has been an error and if XXXX wishes to be paid that they can reach out to my insurance. Viking has continued to attempt to collect from me.
Product: Money transfer, virtual currency, or money service

I sent a transfer XX/XX/XXXX was expected to receive the transfer XX/XX/XXXX but today is XX/XX/XXXX and I didnt receive my transfer.
Product: Credit card or prepaid card

I never opened an account or credit card with Wells Fargo yet, I was sent a card in the mail on XX/XX/2023. They also ran a credit check that I did not authorize. I called the number on the letter to get it resolved. They put a hold on the card, but then said they would have to transfer me to get the account closed. Then they transferred me to a dead line with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian for an account on my credit report with incorrect information. The account was with XXXX XXXX. This account has been paid and closed since XX/XX/XXXX. Experian and XXXX both report that this account is in " good standing '' as of XX/XX/XXXX. Then " charged off '' the months following. This " good standing '' being reported for XX/XX/XXXX makes it seem like I have an open account with them and then stopped paying. Resulting in my credit score being lowered and me getting denied for credit cards. I contacted XXXX XXXX and all they did was mail me proof that the account was paid and closed in XX/XX/XXXX. I then called Experian and told them exactly what the error was and they still did not correct the issue. I have uploaded a screenshot from Experian 's app showing the error being reported for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call, email and log into my account with equifax well i think its equifax. 
on XX/XX/2019 and no help again. My information has still not been corrected on my report. My date of birth is still incorrect. My name has not beem corrected. Also, when I call it seems like the people are from another country so I dont give them my information. I dont know who else can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXX   3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX   stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$780.00} XXXX inquires 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
Product: Credit card or prepaid card

The problem is too big and systemic for Customer Service to be useful, hence filing this complaint with the CFPB. 

We have a Costco Anywhere Visa Card By Citi. My husband changed his " cash advance PIN '' for the card on the Citi website. A week or two later, we received a letter dated XX/XX/2022 entitled " Confirmation : Your PIN has been issued '' with the PIN number that he chose printed twice on it. The problems : ( 1 ) the customer-chosen PIN number is not encrypted, making fraud a lot easier ( makes us wonder : what else is not encrypted? ). ( 2 ) the company printed our PIN and mailed it back to us, which is a big privacy concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, Experian and XXXX XXXX is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of experian and XXXX XXXX report reflecting 30 days late payment XX/XX/XXXX.
Product: Debt collection

On XX/XX/2023 XXXX unauthorized withdrawal of {$190.00} from my business account with Citizens bank.I had Citizens bank put a block on this XXXX 9 months before that date according to their records. But at the time I was to late to get my money refunded I would have to pay {$90.00} additional to block further. Because of this i received {$120.00} overdraft fees. I disputed it with Citizens bank. And they deactivated my account and sent me to collections. For $ XXXX {$370.00} depends on how calls my business phone.
Product: Credit card or prepaid card

In XXXX 2020, someone used my personal information to open a credit card with XXXX through Comenity Bank. I have attempted to call Comenity Bank to resolve this situation multiple times, but they recently sent me a letter determining that I am not a victim of fraud because the information on the fraudulent account matches mine. The phone number the identity thief provided has been disconnected for many years, and the thief also ordered {$2500.00} of furniture to be delivered to their address in XXXX FL. I reside in PA and have never lived in XXXX. I advised Comenity Bank of this and asked them to consider it as evidence of fraud, and they told me I would have to call XXXX and have them mail a letter to Comenity confirming the online order was shipped to XXXX because they do not have that information. I called XXXX to request this letter be sent, and I was told that they have no such process and I would need to deal directly with Comenity. I am getting the runaround from these companies about a debt I did not incur with a store I do not patronize. I have ample evidence that I did not open this account but Comenity does not seem willing to investigate my case past what was put on the application by the identity thief.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Checking or savings account

The bank charged me for late fees when I had sufficient funds and they would keep my purchases pending and then charge me late fees started on XXXX and kept happening
Product: Debt collection

In XXXX of 2023, i became unable to work due to an injury. I was able to keep up with all of my payments except for the month of XXXX or XXXX, I received numerous calls everyday despite me explaining that i was not working at the time and unable to pay. I was the coerced into resigning my loan agreement, again, despite the fact i was unable to work. I currently am still unable to pay this debt because I am trying not to lose my housing and vehicle, I am continually receiving phone calls even after discussing my situation with the creditor Mariner Finance. In the past 7 days I have received XXXX phone calls XXXX of them being yesterday XX/XX/2023 and XXXX already today before noon, XX/XX/2023. This harassment is causing undue stress, further XXXX and XXXX and need to cease immediately. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent account reported on my credit report from XXXX card services.
Product: Credit card

I recieved a letter in the mail that asked me to probide a copy of my id and ssn as well as proof of residence for a capital one credit card but i have never applied and would like to press charges on the person that did this plus keep my ssn and personal account to always be verified by me
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting, credit repair services, 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 15 USC 1881 section 602 A States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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 the consumer, XXXX XXXX. XXXX XXXX has failed to procure MY written permission for XXXX XXXX to report anything on my credit. XXXX XXXX and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal demand for the immediate removal of the unauthorized hard inquiry placed on my credit report by JPMCB Card on XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), you are required to have my express consent before initiating a hard inquiry on my credit file. Since I have no record of approving this inquiry, its presence on my credit report is a violation of my consumer rights. 

I demand that you remove this unauthorized inquiry immediately and provide written confirmation of its removal. Failure to do so will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. Additionally, I will explore legal action against JPMorgan Chase & Co. for violating federal credit laws.

I expect a written response within 15 days confirming that this hard inquiry has been removed. If you claim that I authorized this inquiry, you are legally required to provide documented proof of my consent. Failure to do so will be considered further evidence of noncompliance. 

I take this matter seriously and will not tolerate any delay or disregard for my consumer rights. Please address this issue promptly to avoid further action.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  Installment Loan Amount {$1300.00} Open Date XX/XX/2023 XXXX XXXX XXXX Filed ID theft disputes with Credit Bureaus and Retailer. XXXX never followed up with proper investigation and follow FDCPA laws due. 
Never had a account. 

Demand for delete based on expired time
Product: Prepaid card

I have a complain with XXXX XXXX Nothing works in the computer or in the APP in the phone.. Im already register and i have a account set up ... and i cant sent money to my checking account... it says... is invalid and if you try to call XXXX and says service is temporary not available ... and is been like that for months ... and also XXXX is not answering either by phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I transferred an amount from one card to a new card with no apr for 12 months that should have bought my credit card usage down alot XXXX recognized this and bought my credit score back up to XXXX trans union did not as of now recognize the same
Product: Credit reporting or other personal consumer reports

I contacted TransUnion, XXXX, and XXXX about fraudulent activity and inaccurate information on my credit report. I asked them to verify those accounts and after they did, there were still inaccurate reports on my credit. 

( XXXX ) Do not recognize account ( XXXX  ) Amount {$120.00} Inaccurate Information ( XXXX XXXX XXXX ) DUPLICATE ACCOUNT Do not recognize neither Account ( XXXXXXXX XXXX ) DUPLICATE ( XXXX XXXX ) Do not recognize account
Product: Vehicle loan or lease

XXXX XXXX account # XXXX is reporting the following account on my consumer report as charged-off. 

According to IRS publication 4681-2022/1099c ( Persons who each receive a Form 1099-C showing the full amount of debt. Form 1099-C shows the entire amount of the canceled debt. The ordinary income from the cancellation of debt ( the excess of the canceled debt over the FMV of the property ) must be included in your gross income reported on your tax return unless one of the exceptions or exclusions described later applies. You must report this income on your return unless certain exceptions or exclusions apply. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in XXXX  XXXX. 

A total of {$5900.00} was charged off ; and {$1300.00} was written.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX XXXX XXXX XXXX accounts showing on my Transunion account. 

- XXXX XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX converted my account to XXXX XXXX a few years ago. There is only XXXX ( XXXX ) account but Transunion is showing XXXX XXXX XXXX XXXX separate accounts - with duplicate information. 

I've attempted on several occasions to dispute this error without success. 

I spoke wXXXX on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # XXXX XXXX.
Product: Credit card

In XXXX, XXXX  my credit card was hacked. Citi called me because of strange activity. They cancelled the card, issued another card, but they provided the new card number to XXXX of the hackers. So, they closed that card as well, and issued a third card. Same thing... I was charged again by someone I never used ... XXXX. So I totally cancelled everything and asked for my rewards money that had accrued to {$630.00}. I was told I could not get my rewards because I no longer had an account or my account was closed. That does not seem reasonable. I had earned those rewards over a long period of time.
Product: Credit reporting or other personal consumer reports

Inquires on my account that I did not sign up for. Not sure why it is on my account
Product: Debt collection

They will call multiple times from at least maybe 3 different # 's and then they do skip tracing and call folks that they think may be related. They have called my ex sister in laws parents. Why?! 
That needs to be against the law. As well as an invasion of MY privacy. 

They will call from XXXX back to back and if I don't answer they they will call from an all XXXX 's # XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had to send euros to a specific bank account to verify an account, this was so I could withdraw my money from the Coinbase account.

Its now been over two weeks with little to no response from them and the account is verified. They state it will take one or two business days. Its been 14 and no response.
Product: Debt collection

I received a letter from the court at my job at XXXX. The payroll department sent me a letter stating that I will be paying XXXX dollars a week for 4 weeks that will be deducted from my pay due to a fraudulent credit card that is being charged to me. I have never owned a credit card through XXXX XXXX.