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

This complaint stems from the credit card company failing to resolve two disputed charges on my credit card statement within the required 90 day period. Two charges showed on my card after I had returned two items ( XX/XX/XXXX and XX/XX/2019 both for {$160.00} each ). I raised a dispute in XX/XX/2019 ( letter states it was initiated on XX/XX/2019 ) by phone. A letter received XX/XX/2019 was sent by the credit card company to me asking for additional information after being contacted by the merchant ( who provided their online policy, nothing else ). I faxed a response within 10 days of receiving the letter to the credit card company detailing that the merchant did not honor its return policy and provided additional information to that effect. A resolution was then mailed to me on XX/XX/2019 stating that the credit card company could not do anything. This response was far after the 90 day period required under the FCBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are reporting on my credit report that I did not authorize. I need these removed immediately and permanently as it is hindering me from getting a house loan. 
I have attached the FTC report with The inquiries that need to be removed immediately as I did not make any of these inquires.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Request for Immediate Removal of Charge-Offs Due to Violations of 15 USC 1692g and 15 USC 1681 I am writing to formally dispute the accuracy of the following charge-off entries on my credit report. This agency is in violation of 15 USC 1692g, which requires them to notify me in writing within XXXX days of their initial communication regarding these debts. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, these accounts must be deleted from my report immediately. 

The accounts that need to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these accounts constitutes a violation of 15 USC 1681 and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I request that these charge-off entries be investigated and removed from my credit report immediately. The reporting of these accounts without proper validation and notification is not only inaccurate but also unlawful under the aforementioned sections of the Fair Credit Reporting Act. 

Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Transactions were not authorized by me on XXXX XXXX XXXX. Amounts were {$500.00}, {$100.00}, {$100.00}, {$100.00}, {$200.00}, {$200.00}, {$100.00}, {$41.00}. Bank credited the amount disputed but later reversed the credit of all transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this Authorizer user account with NORDSTM/TD XXXX and XX/XX/XXXX XXXX multiple times. I already sent letters directly to NORDSTM/TD, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX and XX/XX/XXXXrequesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. 

I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that NORDSTROM TD BANK would do my request. 

1. NORDSTM/TD XXXX 2.XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reason to believe that XXXX XXXX is maintaining information on accounts associated with Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I purchased a high definition television that cost {$1700.00} from Best Buy in XXXX. In an effort to build credit ( since I usually make all purchases in cash ), I opened a Best Buy Credit Card. I bought it on a promotion that gave me no interest as long as the tv was paid by XX/XX/XXXX. I made all monthly payments in excess of the minimum pmt due. Unbeknownst to me, there was a debt protection program added on that added an additional $ XXXX- {$25.00} to my bill every month which made it impossible to pay off the balance. Due to my work schedule ( XXXX ), I never looked at the bill. I always drove to Best Buy when I arrived home and paid {$100.00} on my account. It was not until after XX/XX/XXXX that I received a bill saying I owed about {$4000.00} for the tv because of deferred interest. I requested all of my bills, which Best Buy could not provide because the account was taken over By Citi from the originating creditor, XXXX, so they provided as far back as they could. It was at that time, by looking at my statements, that I discovered the debt protection program was being charged monthly. I continued to pay until this past XXXX ( XXXX ). Debt Protection has been canceled and they promised a refund of {$1400.00}. Best Buy advised us on a call they would apply the refund to the promotion and that I would get what I overpaid back. In a later call, Best Buy then advised that the monies would not be applied to the promotion but to the account balance. We requested for them to pull the call and have a manager call us back and they never did. When we called back to speak with them, they never notated it on the account. At one point, we were offered a settlement, which we refused initially to get the debt protection issue resolved. Today we called to settle to get the account closed out once and for all and we were told that no settlement was available. When we asked why, we were told there was no specific reason, only that no settlement was available. To date I have paid {$1400.00} in the debt protection program and for the last 6 months I have paid {$1000.00}. Citi was unable to provide with the total payments made since the account opened on XX/XX/XXXX. I have been advised that I need to write in to get a copy of the statements from the inception of the account, which I will request today.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

Pool company charged me {$1500.00}. It was paid because the company was charging a late fee two weeks after sending the invoice. I contacted the owner as he stated he would remedy the situation. Instead the owner never remedied the situation. The pool services were not referred and I filed a dispute after not hearing back from the owner. Supervisor stopped by and said the owner had XXXX and will contact me back. They did not return the funds and the bank denied my dispute citing they were unable to get the money back from the merchant. The bank did not do a second review although I submitted documentation and also let the reps know I had recorded phone call and other videos for documentation that I was unable to upload due to size. I have not received the letter of denial and was advised to file a complaint here before filing a legal case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel Experian is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management XXXX This collection account was recently placed on my account in which I don't know anything about this company or even as to why the account is so large cause at the moment I shouldn't be able to be extended credit. I believe this is another case of partner identity theft. I dont understand why it's so easy to use people 's information without proper identification. So currently thus is in need of urgent removal. And also can I opt for identity theft protection.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX was to be removed from my credit report after it was paid satisfactorily. Furthermore, this is not my account, I was merely an authorized user on the account. My husband has since paid the account off and this was removed from his credit report, so I am confused as to why the agreement to remove it from my consumer report has not been honored. I am requesting that this account be removed from my credit report. Please advise when this change has been made.
Product: Debt collection

I paid on the card for nearly 5 years. I was locked out of my account with no way to pay and the interest just kept adding up. I have been sent a letter threatening to sue me if I dont make a payment by XX/XX/XXXX XXXX XXXX XXXX says the account is closed and charged off. I havent received any phone calls. I have anxiety about phone calls anyway which is why I always paid through the app until I was locked out of it. Im not sure the amount is right and want a detailed report for accuracy. I have also not received any other letters from Discover. Only a letter threatening to sue me for the entire amount.
Product: Payday loan, title loan, or personal loan

Loan Me offered a business loan to my company XXXX XXXX XXXX and never told me that they were adding this loan to my personal credit, putting me as a co-signer. They lied to me, they also lied saying that I only needed to make 4 payments and then they were going to give me better terms, they were going to restructure the loan, I just needed to establish a " relationship '' with the company. It has been more than 4 payments and they have not readjusted the terms which are outrageous and predatory. With a 94 % interest rate, to pay over 10 years at a $ XXXX monthly payment. From a {$9000.00} loan, I will end up paying {$84000.00}. They lied and scammed me into this loan.
Product: Money transfer, virtual currency, or money service

I placed an order on XX/XX/2021 with XXXX XXXX XXXX XXXX in the amount of XXXX via Paypal. I selected the installment payments. Under the pending on my paypal account it states the customer would not be charged until it is shipped. I did place an order for XXXX for only ONE TRANSACTION however, I was charged TWICE for the same amount on the same day, I contacted XXXX XXXX XXXX XXXX and was instructed to contact XXXX XXXX XXXX XXXX XXXX Representative stated I was only charged once by XXXX XXXX XXXX XXXX which is correct. Why I do I have duplicate charges?
Product: Credit reporting or other personal consumer reports

I have asked these companies for debt validation multiple times and have not been given this information. I need these accounts removed from my credit report as they are stopping me from being able to find housing. If a FTC report needs filed for privacy violations in order to get them removed I can do that as well! All I ask is that this information be provided from these companies within the next 10 days or remove the accounts from all of my reports that they are currently reporting to. Thank you! 

Furnisher, Account Number and Date Opened Below. 

XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Information requested ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( c ) Validation information. 
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ) ( 2 ) Information about the debt.

( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumers name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 
( ix ) The current amount of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CH.XXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that Equifax uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that Equifax, XXXX, and XXXX file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court, that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Debt collection

I told XXXX I couldn't pay my bill as the XXXX  service did not work where I live. No Internet service at my lot I'm renting. Internet service provider took away service after many attempts to fix Internet issues. I called XXXX and finally got ahold of a guy that said he could help if I just PAID {$6.00} a month for 9 months. That's exactly what I did. The next thing I get is phone calls from Convergent wanting an early termination fee of over {$500.00}. If I can't pay my bill, how could they get over {$500.00} from me. I got calls from Convergent all the time, so I blocked them. Now I have a stain on my EXCELLENT CREDIT score and I want it removed. My score dropped XXXX points because of XXXX XXXX said they couldn't do that. I told them to read their notes. XXXX sent me a return box for their TV box for the house and I sent it back. That was a couple months ago.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX - {$180.00} - has violated my rights. 

XXXX XXXX XXXX - {$680.00} - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX - {$78.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - {$4000.00} - has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} -has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} - has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this credit card off in full with the payoff amount they listed on XX/XX/21. Then they added interest fee charges from XXXX until XXXX, when I was finally notified that they reported a late payment on my credit on XX/XX/21. I chose the full payoff and there is no way they should have added interest on a XXXX dollar balance. I called the company and they just kept talking over me reading a script. I asked to speak to a supervisor twice and was hung up on both times. I never received a call, email, or mail communicating that I needed to pay anything until Experian notified me. I also had automatic payments set up previous to paying it off, so I dont know why they didnt just automatically deduct the interest charge if I actually owed it. 
The company is XXXX and its managed by XXXX. I have been a loyal customer and I have consistently used my card there over the years. Ive paid it off with the full amount many times and never had this issue before. After this experience, Im going to close my account. I would never advise anyone to get a store credit there now.