23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was tricked into getting a TJMax card by a store clerk. At no time, upon receiving the card was there an explanation of required monthly fees. Only that if I did not use the card within 6mos. it would be automatically canceled. I am now getting late payment statements with the threat of being reported to credit bureaus for nonpayment. They have been charging the card with {$2.00} maintenance fees and late payment charges of over {$40.00}. 

I consider these actions as deceptive consumer practices. 

I will be calling Synchrony Bank to cancel the card on XX/XX/year>. I don't know if they will erase these charges, but they are a consumer rip off. Public should be made aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent hard credit inquiry on my equifax credit report that needs to be removed. It is listed as : " XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL '' I do not, and have never, had any XXXX services, I am not anywhere near florida or ohio, and I did not at any time authorise a credit check by XXXX. I am unable to contact XXXX, there is no phone number listed on the report. I contacted equifax, but I was told to contact XXXX and dismissed.
Product: Checking or savings account

My first card was NEVER received. I called in to find out Id had fraudulent check deposits in my account. I was giving no option to bring it current by enabling my deposits and I was also not given the opportunity to report this as FRAUDULENT.
Product: Money transfer, virtual currency, or money service

I transferred to my own PAYPAL Acct. XXXX $??. 
Then I transferred it back and expected it to go back on my Bank Account. 
Now it says I received XXXX $ But doesn't say from where and on the bottom line it still says I get a refund from XXXX,?? $
Product: Credit card or prepaid card

On XX/XX/2022 I made an attempt to withdraw {$60.00} cash from a XXXXXXXX XXXX ATM machine. I accepted the XXXX fee and waited for about one minute. Nothing came out. I took my card out and tried again and then I was declined. 
I checked my XXXX card and it showed a - {$60.00} and a - {$2.00} fee. 
I called The number on the ATM machine ATM XXXX in XXXX I was advised to call the card issuer ( US Bank ReliaCard ). After 4 separate phone conversations the claim was filed. I called immediately after transaction. 
I called usbank ReliaCard to follow up on XX/XX/XXXX I was told I would receive a call back. That never happened. 
The claim was mishandled XXXX separate times each time I was told it would take up to 45 days. I spent many days and countless hours on the phone. Much of the time was on hold waiting for help. 
Finally on XX/XX/XXXX I was told I would get a provisional credit within 10 days I did not get provisional XXXX. On XX/XX/XXXX I started my calls every day in the morning and was never were answered. The hold lines would be over an hour and finally I would give up. Id try again the next day to no avail. 

Finally on XX/XX/XXXX. I reached a person she told me that the claim had been resolved and declined. She said that happened on XX/XX/XXXX XXXX received no such letter. 
She said the XXXX showed nothing went wrong and advise me to call XXXX which I did and they advised me to go back to ReliaCard US Bank. I was also told they would not reopen my claim, unless there was a new information. 

The whole thing is just a waste of time, but its a matter of principal, I did not get my money from this machine and Im very irate. I got the run around. 
All the time that I spent on this claim for XXXX and they cant seem to find an error. 
Please help me. 
Today, I changed my direct deposit to go into my regular banking account. 
If this incident happed on my regular banking account, I would not have this problem. 
ReliaCard is very unreliable and hard to reach this very messy business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Equifax, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX, bankruptcy XXXX XXXX  XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 3rd attempt to correct this issue please see attached response from ARS attorney stating he will not delete bankruptcies vs the response he stated on complaint with CFPB # XXXX, where he stated if CFPB request that they delete inaccurate information of bankruptcies he will do so
Product: Checking or savings account

MY ACCOUNT WITH BB & T HAS BEEN COMPROMISED BREACHED WHICH WAS NOT BROUGHT TO MY ATTENTION WITHIN KNOWLEDGE AND FULL UNDER STANDING OF THE XXXX WITHIN THE NAME AND OR COMPLANY POLICY- WITH SELLING ADN WELL AS RECCEIVING STOLEN PEROSN CUSTOMER INFOMATION WHICH COULD BE HARMFUL PHYSICALLY AS WELL AS FINANCIALLY TO MY PEROSN BODY AS WELL AS XXXX WITH ALLTHE GAMES BEHIND THIS CURRENT FRAUD THIS ORANIZATION BB & T TRUIST- SUN TRUST - FINANCIALLY ORGANIZATION NAME XXXX ACCOUTS FALLS UNDER - PLEASE INVESTIGTE ALL TRANSACTIONS- THERE YOU CAN CONFIRM WHAT FRAUD THE UNITED STATES BANK AND XXXXXXXX XXXX  HAVE GOING ON - HERE I LINKED MY ACCOUNT - HOWEVER I HAVE NOT HAD ACCESS TO SEND MONEY OR RECEIVE PAYMENT XXXX XXXX ONCE I REQUEST TO SEND MONEY I DID NOT HAVE THE ABILITY TO DO SO WITH ACTIVE MONLY IN MY ACCOUNT - THESE IS NO EXCEPTION AND OR EXCUSE- THEFERE I KNOW I FALL UNDER THE FEDERLA LAW VIOLATIONS FOR COMPENSATION THIS INSTITUTION BEING REPOSTED HAS AFFECTED ME XXXX AS WELL AS FINANCIALLY - EXTREME DURESS WITHIN MY XXXX
Product: Debt collection

The debt collector- ( The Collection Connection ) has been hired by my previous XXXX who I have been fighting with over the charges he 's states we owe over XXXX missed appointments in XXXX 2014. He 's trying to charge my wife and I {$510.00} for XXXX missed appointments he claimed we missed in XXXX of 2014. I requested proof of us agreeing to these said appointments, and the Debt collector sent me a copy of the doctors appointment book with his notes in it. I have told the debt collector these are erroneous charges no services were ever provided nor did we ever commit to an appointment on said dates in XX/XX/XXXX otherwise we would have been there just like numerous other times we have went and my insurance was billed. This doctor- ( XXXX XXXX ) is taking advantage of us, he knows how stressed we are and after turning us into the collection agency continued to harass us every appointment we had after that. I told him several times that we never agreed on those appointments and its not fair he 's trying to charge us missed appointment charges of {$250.00} for each appointment, he does n't even charge the insurance company that much for an hour appointment when I have agreed to see him. Please help our family and I 'm sure the other family 's this doctor takes advantage of.
Product: Credit card

Barclays Card JetBlue Card XXXX The only reason I signed up for this card was during the booking of a JetBlue flight on XX/XX/2023. 

During the ticket purchasing, there was an option to apply for credit card and receive a {$200.00} credit on the flight I was purchasing. 

In the process of doing this, the Barclay/JetBlue site crashed. I ended up booking the flight and getting the credit card BUT the flight was not charged to this new BarclayCard. 

I immediately called back to BarclayCard and they said there was nothing they could do. Out of time, I just gave up in frustration, but the representative told me not to worry that I could get the {$200.00} by spending anytime on the card. Although I can not verify this, the representative acknowledged the crash on the website- it was down for XXXX minutes or so. 

Several months go by, I am charged the {$100.00} annual fee. 

As the end of year approached, this card has now COST me {$100.00}. I try to get back some semblance of value from this card but I was told that the {$200.00} would need to be used within the first 90 days. Well, first off, I was TRYING to use in the first 90 days by booking the flight. BarclayCard should have been able to rectify this issue. Second, I was never informed that there was a 90 day limit. I would have simply cancelled card at the time of purchase.
Product: Debt collection

The account that they are calling about was not mine and was not opened by me personally. I told XXXX XXXX XXXX that this account was open fraudulently and that Ive been working with the the credit bureau to regain my identity back. XXXX XXXX XXXX said they would remove the account falsely opened under my name, then this company told me I had a debt and has yet to send over any information besides multiple emails when XXXX XXXX XXXX already cleared this account for their databases.
Product: Credit reporting or other personal consumer reports

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

I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for Acima. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX XXXX XXXXDate OpenedXXXX Balance Owed : {$760.00} Chargeoff
Product: Credit reporting 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. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Checking or savings account

I already filed a complaint with XXXX to receive my money but capital one responded and said my dispute cases had to be resolved before I could receive my money so its been ab a month Ive check every dispute on the list in the letter, theyve taken all the money they investigated, today the last dispute money was taken out, its been XXXX months since XXXX since account was closed XXXX dollars, I have family to feed Ive already waited patiently for capital one to take there time with each individual case now they got all their money, now I just need for my account to be closed effective immediately not next year this week not next month this month not XXXX weeks from now immediately, Ive waited long enough thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have struggling with fraud on my personal identity. We got someone in XXXX the file IRS fraud taxes under my and wife social security numbers. Police report was file back in XXXX for identity theft, A other police report was file back in XXXX do to identity theft again. In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report for identity theft I have file with the city of XXXX WA. Now this account is showing on my 3 credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested to delete this account on my personal credit report do to Fraud and Identity Theft : to XXXX, Experian and XXXX to delete this account on all from my credit report and increase my XXXX XXXX to XXXX point how it was in XX/XX/XXXX. On Negative Collection and ChargeOff : ( XXXX ) XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Balance : $ {$51000.00} ( XXXX ) XXXX XXXX XXXX # XXXX? Date Opened : XX/XX/XXXX Balance : {$440.00} ( XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Debt collection

i have no idea who this is why they are on my credit and why they say i owe money i want it off my credit immediatly and permanently i demand resolution this is ruinning my life i am a kid i am only just turned XXXX i am in XXXX i live with my mother i am not even old enough to have debt remove this NOW
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX Balance : {$210.00}
Product: Money transfer, virtual currency, or money service

I opened a new Paypal account after Paypal kept using my bank account to pay for transactions and refused to remove it. I opened the new account and received 2 payments. Immediately, Paypal froze the funds after deducting fees and while holding my money ransom, they're now demanding government ID, social security numbers etc. I refuse to provide such sensitive information to an online platform as I do not know what they will do with it or how secure their systems are. I offered to provide proof of shipping but they're refusing to release my money. If they wanted ID and other personal information, they should have requested this before creating the account, before  accepting my money and before charging fees. XXXX from customer support now says they will refund the money to the payer. What about the fees they deducted? What about the items that were shipped to the customer? Who compensates me for Paypal 's bait and switch tactics? It's impossible to get through to Paypal 's customer service and I've tried calling and emailing them multiple times. This business 's practices are extremely fraudulent and deceitful. I want my money released as they have already deducted fees and customers have already received their items. It's illegal for a business to take my money on one set of terms, then demand items I  never agreed to and now refuse to release my money.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed Inhad fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Product: Debt collection

I live on social security disibility cant afford to pay this the state of colorado medicaid pays my medical and the creditors knew of this so i dont believe that these should be on my credit to destroy it more i am trying to rebuild it and the collection agencies want to destroy it now bill the state of colorado on this if they dont pay then give me a settlement offer of XXXX and i will pay this amount if medicaid dont then the bad marks will dissapear from my report or show paid thanks XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2024, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got a Credit card with XXXX XXXX on XX/XX/XXXX. Only to get {$15.00} off of my purchase and I gave them the cash for the item so I wouldnt have to pay anything off on the credit card. I was confused the first time to have a payment which is why I paid it late, but when I did pay it I had the customer service with XXXX XXXX tell me the full amount I owed, then I paid it off in full and had her close my account on XX/XX/XXXX. There is absolutely no reason why I should owe them {$210.00} when I paid off the amount I owed and closed the account because I used he card only that one time when I first got it. I dont have money to pay for something I shouldnt owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CFPB can not do anything. I think FTC has to involve on this matter. I have sent my Identity theft has happened in XXXX no action on freeze my account. XXXX has closed case that XXXX as freeze my account after 5 Years ... on XXXX XXXX XXXX XXXX