23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've been trying since may to get charges removed that are all fraudulent. They removed XXXX but kept XXXX .all to the same place. Citi bank XXXX card. Charging interst .I have contacted them XXXX or 6 times. They go yep yep and nothing gets done. They are charging me interest on charges I didn't make.
Product: Debt collection

The caller identified herself as XXXX and that she was trying to collect a debt. When I asked her for info on the creditor she stated that she was not given that info. She said the debt was for over {$4800.00} but she was offering a settlement for just under {$1500.00}. When I told her that the debt had been paid in XXXX, she stated that we had been ripped off and that I should XXXX the company. The credit bureaus no longer have a record of this debt since XXXX. She threatened several times that her attorney WILL be taking us to court immediately.
Product: Debt collection

Credence buys your personal information from the dark web after a security breach and then sends a bogus " major derogatory report '' directly to the credit bureaus. In my case, i had constantly been getting phone calls from XXXX ( XXXX ) XXXX. they would call, and then immediately hang up, not even giving me a chance to answer. today Credence Resource Management, put a collections on my credit for {$XXXX}. i had called them trying to see what exactly the problem was. they asked me to verify my first and last name, i did. they asked for my phone number, i told them, they said that was not connected to any account. which was weird because they have been calling me for weeks, on my new number they didnt have an account for. i gave them the a XXXX XXXX XXXX phone number, and they said it matched their records. i continually asked for the business name that this collections was for, and they told me they wouldnt provide me the information, unless i gave them my home address or the last XXXX of my social security number. i refused, we argued, i asked for a supervisor. i was transferred and the supervisor told me the same thing. they refused to tell me anything about my debt owed. i told them that is personal information that i would not be releasing. i then hung up. im very frustrated with this, and it has made my credit go down significantly. All XXXX XXXX could tell me, is that the derogatory mark was made, the price and the account was opened XX/XX/XXXX The comments made on XXXX reviews, under their business, all of those people have experienced the same circumstances, in different forms.
Product: Credit card or prepaid card

Cfpb Approximately two years ago, I was looking for a TV and found one that would be great for my mother and father. It was an XXXX XXXX and I was told that they had a promotion that Included a two-year 0 % APR interest rate for 48 months. I was approved for the exact amount of the TV, it was approximately {$3400.00} at the time. It was open-box and not new. I was told by the associate at Best Buy that once i bring down the balance by paying most of it off via the two-year 0 % apr period, I would mitigate most of the potential interest. Two years go by, and I still have about {$2000.00} left ( in balance ) to pay off ( i charged the card a few times for a medical expense I had, so it wasn't just the TV that was charged to that card ) On XX/XX/2023, Best Buy ( Citibank N.A. ) made a charge to my card for the amount of ( ~ {$2300.00} ). When I went to my account to make my monthly payment, I noticed the balance on my card went from ( about {$2000.00} ) to almost {$4700.00} and it was surprising because the original MAXIMUM credit i had was always {$3400.00} as i mentioned previously. There were no notifications that my credit limit even increased. 
I was told by three Citibank representatives that they would be able to take that interest charge off if I am able to pay back that {$2100.00} in a matter of 30 days ( 30 days from the point that which I found out i was charged a large lump sum at once ). This amount, i assume, is the amount that is left for the promotional balance I was under the impression, given what the Best Buy associate told me, and what the bold letters of the Best Buy card stated ( XXXX percent for two years ). In my experience, I have had multiple cards that provided an initial period of free interest - and even when I do not pay it off, I am charged the-then interest rate for the REMAINING balance ( not the WHOLE interest charge for the initial purchase that I made -not to mention that i already made payments towards the prinicple and brought it down I urgently need your help and I would like for you to tell me if this is typical practice and what rights do I have? I don't know how I will be able to pay off such a large amount ( ~ {$2100.00} ) in a matter of only 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my Experian credit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Product: Prepaid card

I did not receive my California XXXX XXXX Tax Refund debit card. When I found out I was eligible, I waited for my card that I never got, however it had already been mailed out. 
The card never made it in my possession and if there are any transactions made with the card, it was not from me.
Product: Debt collection

This is actually not a complaint. I am looking for help, and I believe this is the best portal to request it. Citi Bank is reporting a late payment on XXXX, XXXX on my account XXXX, opened date XX/XX/XXXX, limit {$3500.00}. 

I was set up on a payment plan with citi, back in XXXX when I was told they would not report me for being late, but late fees would still incur. I let the representative know this and he told me because I was placed on a do not call list regardless of the payment plan they wont remove this. I paid on XX/XX/XXXX and this was reported on XX/XX/XXXX. 

I WAS IMPACTED DUE TO COVID19 that month of XXXX, and contracted the XXXX after XXXX to XXXX. I was made to XXXX   and was out of work for 2 weeks. 

I am asking Citi to remove this late payment reported on XX/XX/XXXX. I paid as soon as I was able to do it. The battle against the covid19 has not been easy in any way. I am just asking what is fair, and I hope a fair solution to this issue. The late did not happen because I did not have money or because I did not want to pay. This was a seriuos health issue. 

Thanks to whomever reads my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and I only got approved for XXXX car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX  - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX DEAL XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX
Product: Vehicle loan or lease

XX/XX/20 payment amount : {$210.00}. Prior to current payment past due. The loan company ( XXXX XXXX XXXX ) only deferred one-time payment for the ( XX/XX/20 ) payment, which didnt help much because a week or two later the another payment was due. This company doesnt refinance loans, offer Payment plans and or provide extension for payments. I have called and pledged with the loan company regarding my current financial situation. I do make partial payment when Im not able to pay the full amount. I keep a good line of communication with the loan company when changes need to be made on the account or any issue with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX - 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have one collection that I did not authorize : - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed and hospitalized for XXXX XXXX for over a month where the XX/XX/2017 payment was missed and marked late for XX/XX/2017. I sent Cap One proof of my hospital stay but Cap one failed to adjust accordingly. I am adding front page of my bank statement ending XX/XX/2017 which shows a balance of {$1500.00} in my bank account therefore no problem at all to make the {$25.00} payment that was due.. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment.
Product: Debt collection

I requested purchase agreement multiple times and bill of sale this debt is not mine and has someone else information in it. I disputed multiple times and continue to get harrssed and they are reporting on my credit report hurting me financially and causing mental anguish therefore I will pursue legal means if not removed from my credit reports all three of them
Product: Debt collection

Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX  ) and the debt collector. 

I need to see any documents in its original form bearing my signature. 
I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested. 

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$7900.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Checking or savings account

I was given a cashers check from XXXX XXXX i signed the XXXX over to my daughter she deposited at her bank key bank they cashed the check 3 days after we deposited XXXX XXXX told us they no thier was no fraud in this deposit but still will not release the funds XXXX XXXX would write me a new check but they can not because they have already cashed it what can i do
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I submitted a payment of {$210.00} to a business XXXX XXXX to rent her photo studio via Venmo. Unfortunately, after asking two times for her contract after a month, she finally gives it to me and there were unknown factors ( not announced to me prior to payment ) that influenced me to request a full refund from her as I was not going to use her studio. She has denied giving me a refund so I contacted Venmo to dispute this charge and they denied it telling me to try to talk to the business owner, as if I didnt already try. Venmo offers purchase protection for businesses like this and yet, I am unable to receive a refund. I would like help to retrieve this refund, thank you.
Product: Credit card or prepaid card

Nordsrtoms account was charged off and than transfered to XXXX XXXX to chase us for money owed. We paid XXXX Account off and Nordstoms won't clear the balance to show XXXX  on their end. This is severley impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish Equifax has been convicted of furnishing incorrect scores and it has affected me I have high interest rates and credit denials. 

Accounts : XXXX XXXX : {$770.00} XXXX : {$260.00} XXXX XXXX : {$530.00} Hard Inquires : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.XXXX Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 3.Account Name : XXXX  XXXX Account Number : ending in XXXX 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 4.Account Name : XXXX XXXX  Account Number : ending in XXXX 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 instruction 5.Account Name : XXXX  Account Number : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022
Product: Credit card or prepaid card

I had a TJX credit card that was lost/stolen in my area and someone used it but I only had a credit line of about {$1200.00} and this person was able to spend {$3000.00} on my card and not once did I get a call from credit card asking if I had been making the charges nor was I aware that they raised my credit line to about {$3200.00} without my permission or knowledge. I have disputed it multiple times and the last time they told me to file a police report which I did and sent to them and then I get a letter stating I am liable still even after filing the report. I did not benefit from this and I want it to be removed from balance and I have felt obligated to make payments so they dont ruin my credit but in no way am I admitting fault by making these payments and I want a refund of the overpayment when this is reversed in my favor because they claim I have a 0 % liability but they are not doing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint I told Wells Fargo that there Is an inquiry that was placed on my credit report on XX/XX/XXXX by Wf Bank Na, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application. Wells Fargo Bank XXXX claims that I agreed for them to pull my credit then I want to see the original documentation with my signature, its funny how Wells Fargo says that my signature isn't needed for them to pull my credit but on the XXXX website they say the contrary and I do not think that they will put this on their website just for fun, also the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that Wf Bank Na verified or validated the inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently. First of all, there is an address on the application that says XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, I have never lived at that address and second of all, there is an income on that application that is not my income, I do not make {$780.00} dollars a month. If this inquiry is not deleted from my credit report, I will be contacting the Attorney Generals office and also I will place a complaint with the XXXX. I want the bank to take a look at the XXXX website XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> @ XXXX XXXX I called Jefferson capital systems llc. Gave them my info and they told me that they sent my debt over to XXXX outsources and I said fine and they hung up on me and then I called XXXX outsourced XXXX @ XXXX. I gave them all my info acct number, ss number etc... they told me they do not have my debt under them and I should call back XXXXefferson capital. I said ok. I called Jefferson Capital about 5 mins later. I spoke to charge and she transfered me to some other guy..I told them I would like to negotiate a settlement and pay and delete. I told them that I have {$500.00} which I saved for XXXX months all I have and I can't afford no more. They came back with an offer of XXXX told them to do better than that since the fact they buy debt pennies on a dollar. And asked to speak to a XXXX not a supervisor. Then XXXX supervisor came on the phone who was very rude. I asked him to send the offer in writing and he said he would not. I told him it was against the law by not sending the offer which was agreed to in writing and I was not giving him any money until the agreement is in writing and he was very rude and said no. And hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Debt collection

I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.