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

On XXXX 2021 my Best Buy card was used by someone who we dont know Best Buy online account for purchase for {$840.00} and order was shipped to different state we dont live or have anyone we know this order was ordered on my sons name I and my family we live in California and all previous purchases was orders and delivered ONLY in California we never lived in any other states ONLY IN CALIFORNIA this purchase was delivered to state of Illinois my son is XXXX years old born and lives with me in CAand he is my dependent and he doesnt have any access to my online account this purchase was made over night of times difference I found out about my account was used by Best Buy email Thank you for your purchase on XX/XX/2021 at XXXX XXXX my California timeI called Best Buy credit card right away and reported the problem explaining what did happened do my online account was used, despite claims were opened and after all I received letter from Best Buy Security Operations on XXXX letting me know so I am responsible for this charges, same time second issue happened with my account from Best Buy, I order a XXXX XXXX for my mother I made that purchase on Best Buy online account on XXXX XXXX on XXXX XXXX I received email same day and same time when I received email about {$840.00} email said my tablet was delivered and after all we never received a XXXX XXXX so second I opened two despute claims for {$840.00} what I didnt purchased and Tablet cost is {$100.00} what I never received after all letter what I received stating I am responsible for the payment of {$950.00} I am not paying a XXXX for what I didnt purchased and didnt received, also I have unauthorized VISA CARD witch is not my Visa card on my Best Buy online account on MY TOTAL TECH SUPPORT account this Visa card ending in XXXX NOT MY CARD ON MY ACCOUNT I dont know who this card belongs to so my Best Buy online account was used by someone one and I want that person be found and be punished charges for {$950.00} I am not responsible for this charges are not mine Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the period allowed by law. The followingaccounts need to investigate and correct from erroneous reporting in my file are listed onmy credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found on my credit report from Equifax that XXXX XXXX  XXXX XXXX  did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, Equifax had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?
Product: Credit card or prepaid card

I set up automatic payments to pay off " statement balances '' on my Bank XXXX XXXXXXXX credit card at the end of every billing period. Despite having an automatic payment set up, on XX/XX/2022, I made an early payment to this bank in the amount of {$5000.00} towards my total credit balance of {$5100.00}. This will turn out to be the worst decision I have ever made. The payment went through, but their billing system refused to take the payment into account and adjust my account balance to reflect the early payment. Then on XX/XX/2022, nearly three weeks after ( in the same billing period ), they charged my bank account again for {$4200.00} ( for a credit balance I did not owe or know how their system determined ), leaving my bank account with a low balance. I called them several times to let them know that they charged my bank account when I did not owe them money. They told me that they were right to overcharge me because I have an automatic payment set up in the account. In other words, I shouldn't have set up an automatic payment. They also made it very clear that their billing system is not designed or meant to detect and adjust statement balances in my account despite the fact that it is the same reason I literally set up an automatic payment for the credit account. Finally, they told me I was supposed to go into my account to manually edit the payment to avoid overcharging my account. Again, this is the only point why people set up automatic payments for billing ; to avoid having to manually make payments to banks. 

I was forced to go to my bank physically to stop the payment, and today my bank charged me a " stop payment '' fee of {$30.00}. So I called them again this morning to request a {$30.00} check from them to cover the fee that my bank charged me because they billed my bank account wrongly. Again they maintained that their system was perfect for overcharging me and making me pay a bank fee of {$30.00} and spend two days ' worth of my time resolving the issue. I am only asking them to send me a check for {$30.00} to pay for the bank fee that their flawed system had caused. I am not asking them to pay me for the time I have spent for the past two days trying to resolve this or the emotional and mental trauma they have put me through. I would not advise anybody reading this to open a credit card line with this bank.
Product: Debt collection

Unifund CCR , LLC has filed a lawsuit against me for an alleged debt they claim to have purchased from Pilot Receivables Management , LLC, which they claim it has been originated from XXXX XXXX. 

The documents they have provided do not show how the alleged amount was calculated or proof of ownership or transfer from XXXX XXXX to Pilot Receivables Management , LLC or from Pilot Receivables Management , LLC to Unifund CCR , LLC. 

They have provided XXXX bills of sale ; XXXX between XXXX XXXX and Pilot Receivables Management , LLC, which states that accounts in " Exhibit XXXX '' were sold/transferred to Pilot Receivables Management , LLC, however there is no accounts listed in Exhibit XXXX as the entire document has been redacted. XXXX bill of sale is between Pilot Receivables Management , LLC and Unifund CCR , LLC, which states that all accounts in " Attachment A '' were sold/transferred to Unifund CCR , LLC however there is no Attachment A provided. 

They have also included XXXX statements, seven months apart, from XXXX XXXX, however nothing shows how the alleged amounts were calculated. 

Moreover, Unifund CCR , LLC sent me a collections letter on XXXX XXXX, 2016 attempting to collect this alleged debt, but the bill of sale mentioned above between Unifund CCR , LLC and Pilot Receivables Management , LLC was generated XXXX XXXX, 2016. 

Furthermore, on XXXX XXXX, 2016 I sent a debt validation letter to Unifund CCR , LLC and on XXXX XXXX, 2016 I received a letter from the law firm XXXX , XXXX XXXX XXXX, attorney to Unifund CCR , LLC, stating that the debt was owed to XXXX XXXX and they were asked to collect. On XXXX XXXX, 2016 the law firm sent me the documents mentioned above per my debt validation, including a letter stating that the Plaintiff was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  and equifax  are unwilling to accept the documentation provided to me to remove credit reports during the time i was forced into XXXXXXXX XXXX XXXX XXXX. i am XXXX as a result and require assistance XXXX  and equifax are not providing this request information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/22, I received a notice of a declined credit card from XXXX XXXX, I also received an alert from XXXX XXXX  about a new inquiry from XXXX XXXX XXXX, two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as XXXX had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I need.
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit report 1. ) Car loan 2. ) Unauthorized, Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as national credit systems for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX CAPITAL ONE {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX {$390.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAPITAL ONE AUTO FIN {$32000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX  {$200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$3600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Money transfer, virtual currency, or money service

As a consumer, I am entitled to protection under various laws, including but not limited to : 1. The Electronic Fund Transfer Act ( EFTA ), which provides consumers protection regarding electronic transfers and ensures they are notified of unauthorized transactions. 
2. The Fair Credit Billing Act ( FCBA ), which allows consumers to dispute billing errors, including unauthorized charges, and seek a remedy. 
3. State Consumer Protection Laws ( depending on your jurisdiction ), which provide additional safeguards to protect consumers against unfair or deceptive business practices. 

I kindly request that Cash App conduct a thorough investigation of this matter and return the funds in question to my account as soon as possible. If this issue is not resolved promptly, I will be forced to escalate the matter through formal channels, including filing a dispute with my bank and reporting the issue to the relevant consumer protection authorities. 

Please respond to this request at your earliest convenience, with a clear outline of your process and timeline for resolution. 

Thank you for your immediate attention to this matter.
Product: Debt collection

SUPERLATIVE RM calls almost EVERY DAY, always a robocall, NEVER states WHO the debt is with!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.
Product: Checking or savings account

XX/XX/XXXX I looked online and found that I was charged XXXX for my checking account being short {$3.00}. I had a {$100.00} transaction for XXXX that came out of my account and I only had {$96.00} in my account. 

XX/XX/XXXX I again looked in my account online and I was charged {$11.00} for checks I did not order. I called PNC @ XXXX and I was told I had to bring the checks in to have refunded. 

This bank not only guts it customers for money they do not have but they never addressed anything I requested. 

My account # is XXXX XXXX # XXXX
Product: Checking or savings account

made a purchase at XXXX XXXX XXXX at XXXX today, at XXXX i received a text message saying my debit card is temporarily locked, i called my bank, they said not true, the message said to call XXXX XXXX # ) Visa-Card temporarily XXXX, i did not call them, i think it is a scam!!!
Product: Credit card

PayPay uses XXXX XXXX for payment services. I was an auto pay. Since XX/XX/2023 PayPal claims my payments is being reversed by my bank XXXX I checked with my bank and payments are going through. Furthermore I was on a special plan to pay for items purchased and those were going through. XXXX explained that as ACH transactions it should have gone through on date of transaction XXXX day of month ) transactions were not. I am being charged {$41.00} dollars in late fees, interest daily, {$10.00} to pay by phone ( never disclosed ) my account is now over {$200.00} more than what it was in XXXX. Today XX/XX/2023 a charge for XXXX appeared - I didnt use XXXX. I think this is usery. They closed my account ( they did this the last time I complained BTW ) and it affected my credit.
Product: Debt collection

hi, i have been getting calls and/or letters, reg a debt that was quite few years ago!!! And i went Bankrupt, and told them to, Portfolio collection agency. But they are known to harrass people. Let them know, that also they were sued in Virginia and another law suit is being filed/ a class action suit, so they need to stop harrassing people reg old bills!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to delete the fraudulent items from my credit report. Despite our initial attempt, I regret to inform you that these items still persist on my record. As we enter the second attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items deleted from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX  XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3200.00} ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I use XXXX for everything as a result I have the Google play store on my phone. If I want to buy an app or book or anything like that I need to do it through Google. My Google pay account was suspended for suspicious activity they said but there's no way that's true as when they did it my last purchase was over a week before this. I've tried submitting the necessary documents. They wanted a picture of my drivers license and a picture of my statement from whatever payment I used last ro purchase something which was my XXXX as thats what I generally use for all of google purchases. I haven't heard back from anyone on it. I tried to call and it just went in circles. After covid they have a smaller team so there may be delays that make it take longer, no one knows how long or if it will even be fixed. I was told it usually takes 24 hours which it's been and no response from anyone. I requested to speak with a supervisor in the hopes of getting some answers on when it will be fixed and was told I was the next person on her list to call. It took almost two hours for her to call me. I unfortunately missed that call as it was so late at night. If I had been told it would be that long then I would of had them call me back the next day. The whole experience has been horrible and worst customer service experience I've had in a very long time. All I wanted was to buy some items in a game I play which it looks like I will miss out on since they are only available for a this weekend and then there was a bonus point event for the same app to get extra points for purchase that ends today that I'll be missing out on as well. I even tried to buy a Google gift card separately to just add it to my account to use in the meantime. Nope I can't do that either apparently. Poor communication skills and poor customer service from Google. Most companies when they think there have been fraudulent charges on your account freeze your account immediately since if thats really the case then they need to stop any further transactions. Doing it so long after the fact doesn't make sense. I have another Google account but I guess I'm also not allowed to make purchases on it either since it says do not use another account to make purchases on Google or it will be suspended as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted documents stating that XXXX accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on XX/XX/XXXX. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on XXXX. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I found several accounts listed that do not belong to me. I have not done any business with these companies nor have ii given any of them my personal information. Here are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX  credit card bank report balance to equifax  that is not true. There has not been a balance on my account since XXXX this is false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX  XXXX XXXXXXXX {$710.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX until 2016. I have made multiple attempts to get them to correct the information that is reporting inaccurately on my credit reports.
Product: Student loan

I have been making payments since 2014 and have paid about {$6300.00} +- since then. All of the money paid has been going exclusively to interest except for {$580.00}. I am surprised that none of it went to the principle amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as EXPERIAN, XXXX AND XXXX can Not Furnish a account without my written signature or instructions to do so.