23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

My original debtor sold my Account to GALAXY INTERNATIONAL PURCHASING , LLC with out a written consent to me. I Have never signed a contract having a debt or authorizing GALAXY INTERNATIONAL PURCHASING , LLC to have my personal information/DEBT. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that GALAXY INTERNATIONAL PURCHASING , LLC cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. GALAXY INTERNATIONAL PURCHASING , LLC actions are infringing on my rights and must stop immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I believe that I am paying to much a month for the loan. It's beginning to get a little difficult.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase through the retail website XXXX. It was a ring for my wife. I purchased it using my Apple Card. When I received the ring, a diamond was missing. I contacted the retailer ( in XXXX ) who said they would repair it. After a brief exchange back and forth with the retailer, I was told they would send a shipping label so that the ring could be shipped back and fixed. The retailer stopped communicating with me at this point. 

In XXXX of XXXX I initiated a dispute with Apple Card to have the {$740.00} refunded noting the retailer sent me broken merchandise, agreed to repair/replace it, and then stopped communicating. 

After a few frustrating interactions with Apple Card " customer support '', I paid my balance off in full of XX/XX/XXXX and closed my account. 

I have also had to re-dispute this transaction approximately eight times because Apple Card keeps finding the dispute in the retailer 's favor citing that I have not provided enough information for them to substantiate my claim. 

At the request of Apple card, I have sent the communication between the retailer and I as well as pictures of the damaged ring. I have sent this information in four times at the request of Apple Card because they said they can't see it in their records even though it shows that I sent something in. I have spoken to 12 different people, several supervisors who, at the time of the call, reassured me that it makes sense that the dispute would be in my favor and that I have provided more than enough evidence.

When I asked to speak with the person in charge of my dispute resolution I have been told they are not available.

I worked very hard to give Apple Card the information they requested half a dozen times and was reassured by managers that the information was received as well as should be more than sufficient to substantiate the dispute. I have no way of contacting anyone out side of their customer service phone number and can't get a response to the " findings '' that I receive via email when I try to communicate that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account that is under a different name DEPT OF ED/XXXX i have disputed it before and it needs to be removed. 
I also have an account XXXX XXXX XXXX that I have disputed as having unauthorized charges on it but it comes back resolved but there is no way that could be as equifax does not show me any charges they have verified with signed receipts with my name on them. 
There is a fraudulent lent account XXXX , XXXX that i have disputed before and comes back verified but it is not my account. 
And there is XXXX XXXX A account that was disputed with unauthorized charges on it and equifax is not properly investigating it. and instead just says it's verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian about a bankruptcy being reported on my credit repport. Experian stated that this was verified by XXXX and that this would not be removed. I reached out to XXXX who stated that they were not able to verify this information and removed this information. I reached back out to Experian online dispute and uploaded a copy of the letter from XXXX XXXX stating this was told information is verified and wont be removed. I called and asked where was this information verified from and they told me that they could not verify the furnisher ( whom they originally stated was XXXX XXXX ) I am reporting Experian because even after furnishing proof from the said agency they claimed to have verified this information with they still wont remove this information.
Product: Checking or savings account

I was victim of fraud. Someone used my debit card info and made purchases close to {$10000.00} and I have filled dispute with TCF bank. TCF first gave me money back then they took my money out of my checking account. I asked them what is happening and they reopened the claim. This has been happening since XX/XX/2018 and they just keep asking me for same documents over and over again. Ive sent them 4 times proof that I was in XXXX when this fraud happened, my affidavit and police report. Since then they just keep telling me that my case is under review and not giving me resolutions date or anything. Can you please assist me in getting my founds back.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX ( collection agency- Central Control Financial ) I recieved a call from this agency -- They advised the debt was for my XXXX year old daught but, my name was on the insurance card that she used. Therefore, the company put it on my credit report, I never signed anything or had knowledge of any visited to this agency. However, my daughter has insurance through social security with medicated and it should have been charged. I am not responsible for her bills -- secondly, i found out through the credit report and they called from my report.. I did not have any insurance under my daughter in 2015 but, I am a victim of Identity fraud and furthmore, my daughter lives in XXXX County..
Product: Credit card or prepaid card

Bank of America has charged interest on my account immediately after my purchases. I was under the assumption that there is a required 21 day grace period.
Product: Credit card

My card was delicned last friday! I evidently missed mays payment of {$150.00}. I sent {$200.00} thinking that covered it. Why, I was not using my card. it had been shut off due to some type compromising in the system. So I was using my wells fargo card all month. 
Then you sent a new card finally. Then the chip did not work. more declining! So I had just got the new card when it was declined again while in new mexico. IF you research my account history, I charge up to {$3000.00} a month average and pay in full each month. so you shut off my card for one small amount during a period of issue after issue with my card. 
So I called again today. wait many minutes to get thru your disgusting automated service. Finally get a supervisor and am once again assured my card is fine. Prior to that I tried the chat to absolutely no avail. She kept asking me when I was going to pay our second card that is not due until XXXX XXXX, or there a bouts. 
so I went to XXXX today, and card declined again 3 hours after being assured it was all cleared up. 
I have had at least XXXX cards issued me in the past 1 year due to BOA saying my card was " compromised '' I have to keep changing my auto pays! 
When I call in, it takes up to 15 minutes to get thru the automated system to finally arrive at a human. I charge an average of $ XXXX monthly on XXXX card and almost the same on a second BOA card. And I get this kind of service and card shut off for what they said was {$25.00} outstanding balance. and that was a late fee! 
I have many others tell me the same thing going on with their BOA visa. There must be some internal issues with BOA! 

thank you
Product: Credit card

On XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX regarding my complaint. During our conversation, we discussed that I contacted us by telephone on XXXX XXXX, XXXX, to open a billing dispute claim for the transaction in the amount of {$41000.00} from XXXX training that posted on XXXX XXXX, XXXX. At that time, I informed us that I will not attended the XXXX and I want to cancelled the entire amount of the transaction on XXXX XXXX, XXXX. The Company said that, on XXXX XXXX, XXXX, they offered me a 10 % discount and as of today, I am still waiting for the refund and the additional refund for the XXXX over transactions XXXX for {$990.00} and {$1900.00} still not showing on my account yet a total refund of {$40000.00}. Every time I contact them they told me the refund was send and I just think they just liar to me and they will never refund me my money.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am submitting this complaint regarding outdated and incorrect personal information that remains on my credit reports with XXXX, TransUnion, and XXXX despite my formal disputes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date personal information, yet my reports still contain incorrect addresses, phone numbers, and employer details. 

In each case, I formally requested that only the following current personal information be kept on file : Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX I submitted the following letters to correct these errors : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Letter dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( Letter dated XX/XX/XXXX ) These letters requested the removal of all previous addresses, outdated employer information, and old phone numbers, except for the current information listed above. However, the errors remain unresolved. Maintaining inaccurate personal information violates my rights under 15 U.S.C. 1681i, which gives consumers the right to dispute incorrect information and ensures prompt corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

15 U.S.C. 1601 is a section of the United States Code that establishes the purpose of subchapter I of Chapter 41 of Title 15, which is consumer credit cost disclosure. The purpose of this subchapter is to ensure that credit terms are disclosed in a meaningful way so that consumers can : Compare credit terms Avoid using credit without fully understanding it Protect themselves from unfair or inaccurate credit billing and credit card practices The Truth in Lending Act ( TILA ) is Title I of the Consumer Credit Protection Act, which is covered by 15 U.S.C. 1601-1667f. The TILA protects consumers from unfair or inaccurate credit billing and credit card practices. It also requires lenders to provide loan cost information so that consumers can compare different types of loans. 

Requested cease and desist and to violadate debt and orginal contract with 2 wet signatures company did not provide 15 usc 1666b late payments removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 10 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

I got a call from a representative who claimed to be from GE Capital regarding a debt to XXXX 's which is over XXXX XXXX XXXX. They call periodically throughout the year and threaten to sue me and serve me at work, but when I tell them the debt is too old, they hand up on me abs I dont hear from them for a couple of months. Today XX/XX/2020 however, they called the HR department at my place of employment, told them they were trying to get ahold of me and were trying to collect a debt. I called them back and the gentleman and extension XXXX told me he was going to sue me, show up at my place of employment and get me fired. I have told them more than once that I am not allowed calls at work, but they just keep calling and threatening to sue me. The number they left was The number is XXXX ext XXXX.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern ; I am a Veteran of the XXXX XXXX XXXX, my rank was XXXX XXXX  and I served in the XXXX as a XXXX XXXX ( XXXX ) for 27 years. On XX/XX/XXXX, I sent a wire transfer to the Suntrust Bank, XXXX XXXX XXXX, XXXX, XXXX. Bank Code XXXX. Receiving Customer was " XXXX XXXX XXXX '' Bank Account # XXXX. Address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD, XXXX. The Amount Transferred was {$6500.00} USD and this wire transfer was cancelled. I contacted the XXXXXXXX XXXX XXXX people and they said they do n't know what I am talking about as the do n't own an account there with that account number. I contacted the Suntrust Bank and they said they see where the money was transferred and they have the wire transfer cancellation but ca n't return the funds as the person to whom the account belongs needs to transfer this money back to me. I have contacted the bank on many occasions but to no avail. They had me sent all of my documents to the legal department somewhere in Florida and to date I have heard nothing. I was told I would have the {$6500.00} USD back in my account within 5 working days and I am at my wits end trying to get this money back. As this one was cancelled and thinking it was coming back I sent the second {$6500.00} USD on XX/XX/XXXX to this account thinking I was paying for Gold but I am a victim of Fraud. I had someone in XXXX go talk to the people there that apparently owns this fake account in the XXXX XXXX XXXX 's name and they are refusing to give my funds back as I have received nothing. This now is a total of {$13000.00} USD that I am out and {$6500.00} USD actually had a cancellation of the wire transfer completed and still no money. I am a XXXX XXXX XXXX XXXX with 27 years of service to my XXXX and I am on a small pension. I am hoping you are able to retrieve my money for me as I was a victim of fraud. The Suntrust bank was of no help to me and I am now totally frustrated with them as they had the paper work to return funds and yet could n't return the money I was owed. I am hoping you are able to help me with this matter and return my hard earned mooney to me as soon as possible. If it were {$50.00} I would write it off but it is a substantial amount of money and I need it back as soon as possible as I did not receive anything for what I sent the money for. My email address etc is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ON, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

I never receive notice from IC system collections nor XXXX  as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX   credit report. Because of this negative impact I will not be approve for my new home.
Product: Credit reporting

EquifaxXXXX XXXX. Is reporting the same accounts multipleTimes. XXXX of the accounts on my report have been reported XXXX times by XXXX XXXX XXXX XXXX on my report giving me bad payment history and derogatory remarks multiple times for the same accounts
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Checking or savings account

I received a rapid refund loan from XXXX to my Credit Karma account. Ive been with Credit Karma for three years. All of a sudden everyone seems to have their account close on XXXX of XXXX and was told that they were mail the remaining balance to the address on file. I have to wait 7 to 14 days. I recently moved in XXXX from the address on file but I still have access to the mailbox and I also did mail forwarding EITHER or 7-14 have pass and I still havent received my {$3700.00} I contacted credit karma over 20x and received the same response we have escalated your case to the highest department. Somebody will reach out to you by email over 3 weeks and I cant even get a answer on wheres my money wheres my check or let alone a simple change of address after I sent it my ID and my most recent utility bill I just keep getting the same response over and over but no answer I decided to go on XXXX and XXXX and found over 100 people that having the same issue that after the receive they loan they account close with the excuse of 60 banking regulations they can close the account.im currently on XXXX XXXX and I have to return back oversea in XXXX and I want to get this handled get some answers and be done with CK for good I filed my taxes with that same account for the pass 3 years and never had a issue until now so I have to deal with the IRS also cause my account is close and I used it on my taxesnow sure cause its the XXXX XXXX dollar lawsuit there facing or its a bigger picture we know nothing about since its me and so much others trying to figure out why our close all of a sudden after we apply for the refund loan but I have bills and XXXX kids to take care of and I cant risk just to lose {$3700.00} like can you please help me get answer to my missing money THANK YOU PLEASE