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

1. I ( XXXX XXXX ) purchased XXXXXXXX Egift Card from XXXX. 
Purchase price : XXXX on XX/XX/17. 
2. Tried to use the Egift Card from online on XX/XX/17 but did not go through. So contact XXXX, they said there was no balance in the Egift Card code. 
3. Requested XXXX to get refund on XX/XX/17. They declined. ( please find attached ) Until now, I have been trying to get my refund. But XXXX declined. 
4. We also contacted Chase credit card. ( Which I used this card to purchase Egift card. Ending with XXXX ). Chase bank declined this fraud claim. Please help with the dispute!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at this Complaint. 

Discover card illegally tagged this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

They are liars!
Product: Debt collection

On XX/XX/XXXX I closed my XXXX Acct and it was paid in full. I've explained this to 2 other collection companies, as well as a lawfirm after receiving information from them by mail about an alleged collection of {$340.00} they too were trying to collect from me. I sent these prior collection businesses the information regarding my XXXX Acct being closed and paid in full. Nothing more was heard of from these debt collections about this alleged outstanding debt until XX/XX/XXXX, when I received an email from XXXX advising that there was a new Perfection Collection account added to my XXXX credit report. I knew nothing about this company nor their alleged {$940.00} collection which they claim I owed them since XX/XX/XXXX. I filed a complaint with XXXX on XX/XX/XXXX stating that I knew nothing about this collection agency or their collection account against me since I had NEVER been contacted by Perfection Collection so I really had no knowledge of them or their alleged {$940.00} debt claim against me. Because I was able to get Perfection Collections information off of my XXXX credit report I XXXX the company 's name and located a match which directed me to their webpage. On their webpage, under contact us, I was able to send them a message on XX/XX/XXXX. In my message to Perfection Collections I informed them that my XXXX account was closed and paid in full on XX/XX/XXXX. I put them on notice to take their illegally reported collection off of my credit report immediately or I would take other action against them. I told them that I thought it was illegal for them to file a negative report to the credit bureaus without any attempt to notify or contact me. To make this easier for them to see that I had already handled this debt and previous attempts to collect on it, I sent them a copy of the email correspondence to and from XXXX and to and from the lawyer that also tried to collect on this debt in XX/XX/XXXX. As of XX/XX/XXXX, I have not received any type of correspondence from Perfection Collection nor have they attempted to contact me. On XX/XX/XXXX I filed another dispute with XXXX regarding Perfection Collection 's illegally reporting a negative report against my credit claiming I owe them {$940.00} as of XX/XX/XXXX stemming from an alleged outstanding debt they claim I owe XXXX.
Product: Credit card

I received an email on XX/XX/XXXX  stating I would receive a {$100.00} cash back bonus if I added a joint user to my XXXXXXXX XXXX XXXX issued by Barclays if the user spent {$100.00} within the first 30 days. I completed the requirements and never received the cash back bonus. 

I have attempted to contact Barclays but their IVR system only gives generic information and hangs up without transferring to an agent. The one time I was able to get into the holding queue I was on hold for 10 minutes before the call disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX ' XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX, the mortgage loan was in the name of XXXX XXXX, my ex-husband. We are now divorced and I assumed the mortgage through a modification assumption with Select Portfolio Servicing. The mortgage is reporting to XXXX, XXXX and XXXX the 3 bureaus as being delinquent on my credit. 

The modification assumption was complete XX/XX/XXXX. 

Thank you.
Product: Credit card

I recently opened a Best Buy credit card issued through CitiBank. On XX/XX/2024 I purchased a tv antenna from Best Buy.. The total price including sales tax was {$53.00}. At the sale register I explicitly said I did not want to put this charge on my Best Buy credit card. I said i wanted to use XXXX XXXX on my cell phone to charge it to my bank credit card. The Best Buy associate need to place the charge on the credit card device so I could use my cell phone. A couple of days later I checked to see if a payment I made has posted at which time I saw the {$53.00} charge that should not have been there. I called the phone numbers I had and talked to a man I think was at Citibank. I explained the problem and he helped me file a dispute. Over the next several days and weeks I used screen prints and and printed details of my XXXX XXXX card showing the payment was made to that card. I sent those in the comment section of the dispute and made additional phone calls. on XX/XX/2024 I received a letter from Best Buy Credit Services that included a number to fax additional documentation. I faxed the data I had copied from my XXXX account showing the {$53.00} had been paid by my XXXX  XXXX XXXX XXXX XXXX. I made another call with no results. The charge is still on my Best Buy card.
Product: Credit card

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : * XXXX XXXX : XXXX - PLEASE DELETE ALL ACCON REPORTED IN THE PROBLEM I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 

* Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
* Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 


Under the FCRA, I am requesting : * Immediate investigation into the disputed items listed above. 
* Removal or correction of the inaccurate information. 
* An updated copy of my credit report reflecting these corrections. 

I have attached copies of supporting documentation to aid in your investigation, including : * A copy of my credit report highlighting the disputed items. 
* Documentation supporting my claim of inaccuracy. 


Please conduct a thorough investigation and provide me with a written response regarding the outcome within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I opened an account with PayPal early this year, around XXXX time. I opened it on recommendation from a friend who uses it to make deposits and withdrawals to online casinos. I have similar interests, so the service appealed to me. Since opening it I have used the account on a fairly regular basis to also deposit and withdraw from online casinos. To confirm, all the casinos I play at are regulated by the state and actively advertise their association with PayPal for use with their accounts. 

A few weeks back I had some luck at one of the casinos and was able to make some large withdrawals to my account. Then, on XX/XX/XXXX I tried to send some of this money to my friend who also uses PayPal. The transfer was declined. The next time I logged into my account I had requests for documents to prove my ID and ownership of my bank account. I thought this seems perfectly normal as the transfer was quite big and they might have checks to complete. I provided the information they requested on XX/XX/XXXX and XXXX. 

They also had asked me what the purpose was for a range of different transactions on my account. All but one of these were casino deposits and withdrawals, which I found strange because surely they'd know what those transactions were. I provided the requested details regardless. 

However, I have now received an email saying that my account is being closed and they are seizing my money! The balance of my account is {$15000.00}. They are saying that they are keeping my money for 6 months! They can not be allowed to do this. What right do they have? I need your help with retrieving my money, please.
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX, provided by XXXX XXXX. I've had this card since XX/XX/2017 and received several increases and had those increases then taking away because the bank is stating I should have never received them because they were done manually. when the the bank constantly does this it takes a big hit on my credit score and it's very shameful to try and make a purchase and later find out during check out the funds have been taken away. one minute my limit is XXXX the next XXXX and now XXXX. I have always paid my credit card bill on time never late not once and the bank has even stated I have a excellent payment history with them. This bank is horrible not only with constantly decreasing credit limits but also stating you have other accounts with them that you never opened in your name. A couple months ago I contacted them about an account I noticed on my credit report called woman within and told them I never had an account with his company and the charges were not mine, they still have not removed this item from my credit report. I'm at all wits end ... ... .. I Don't understand how this is considered acceptable. Another thing that really bothers me is, when they decrease the limit I call to bring it to there attention, they then say if you agree to apply for an increase we can do an application to see if we can approve you. The sad thing is, when you choose to agree to that it lowers your credit score. When in fact if they would just leave your limit where it is, you wouldn't be calling in the first place!!!! I Have other credit cards and never have this problem with them going back and fourth on my limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX. I live in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone tried to apply for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute those inquiries from my report. Please remove following inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violation my rights. 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. According to 15 USC 1681 ( 5 ) they are supposed to modify account that aren't reporting correctly. 

15 U.S.C 1681 section 602 A. states I have the to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can't furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

***I previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Debt collection

In XX/XX/XXXX, I have received a letter in the Mail from Pressler, Felt, and Warshaw.

On XX/XX/XXXX ( The letter was received by someo
ne else ), I have sent them a copy of the original debt collection letter, along with what I have received from the original collector. This was sent by certified mail article number : XXXX XXXX XXXX XXXX XXXX In XXXX, I called requesting an update, and spoke with a Mr. XXXX XXXX. Advised that I sent them the letter, and still waiting for a response, and wanted to know why that item is showing on my credit report when i have it in a dispute status. I was told that they never received the items, and I told him what I'm requesting for validation ( signed applications, and at least three statements that one must show a charge ). 

I have received three statements, but nothing showed a charge on them ( How can I verify I actually had a charge, if all I see are fees )? How can I verify that I actually signed an application for what they are collecting for, along with the interest rates? 

On XX/XX/XXXX, I have sent a second letter to them certified mail article number : XXXX XXXX XXXX XXXX XXXX One reminding them that I'm still waiting for the verification documentation, along with an initial settlement offer since. 

Today XX/XX/XXXX, I pulled my credit report, and this item is still showing on it as a collection item. It has been in a dispute status XX/XX/XXXX.
Product: Checking or savings account

Citizens Bank closed our checking account without any notification. The reason they gave was because the account was not used in XXXX  days, however I tried to transfer funds from my XXXX XXXX account on day XXXX and the transaction failed, presumably due to the account being in a closed status. 

The account seems active on my internet banking app and is linked to our Citizens Bank HELOC where monthly payments are made directly from the Citizens checking account. I used the account on XX/XX/XXXX and then tried to send a payment on XX/XX/XXXX. 

No letters, emails or texts have been sent warning us this would happen.
Product: Credit card or prepaid card

To whom this may concern, Yesterday, at approximately XXXX I called Chase to ask for some help to lower my payments and if possible lower my interest rate. I told them I am an XXXX XXXX XXXX and was about to spend the next three years NON-Deployable and I wanted to get aggressive on paying off my credit card. I explained to them that lowering my payment or lowering my interest rate would really help me during these hard times. I also explain to them that my wife had her hours drastically reduced due to COVID. After spending 1 hour and 20 minutes on the phone I was told that they could not do anything to help. They could not lower my payment or lower my interest rate. At one point a representative told me " that's why you need to look at the APR before getting a card ''. The first representative I talked to told me they had to send me to collections. I explained to collections " I have never missed a payment in over 8 years, I do not want to close my account just would really need help ''. He said " oh okay let me transfer you to customer assistance they have programs they can help you with ''. When I spoke to customer assistance and I mentioned I was XXXX XXXX, she said " I'm going to have to stop you right there, since you said you were XXXX XXXX I cant help you, only our Military team can help you ''. When I spoke to the XXXX XXXX team they tried to see if I was eligible for the Service Member Relief Act, but I wasn't. That is when I was sent to the last representative who told me " I do this everyday, people call everyday to see if we can lower their payment or their interest rate, we can not do anything to help you, I am sorry. That is why you need to look at the APR before getting a credit card ''. 

I am filing this complaint because as a consumer who has never missed a payment in all my time having responsibilities they told me they could not help. Nothing at all. I pleaded with them to help me due my circumstances and they did not. They even told me, " but if you want to make your monthly payment, I can help you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX performed a hard inquiry on my Equifax credit profile on XX/XX/XXXX. I do n't know who this company is or how they have my information if they even have my information. I emailed at XXXX them on XX/XX/XXXX upon realizing they had pulled my credit report and told them to please contact Equifax to have the inquiry removed. They have not contacted Equifax and have not responded to my email. 

Based on the inquiry, the creditor contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Please furnish me with copies of any and all such certification.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am having a problem getting my XXXX XXXXXXXX XXXX XXXX XXXX and Chex Systems XXXX Report. I would like for XXXX XXXX, XXXX XXXX XXXX and Chex Systems to send me a complete copy of my consumer report via XXXX mail. Full Name : XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXXXXXX XXXX  XXXX License Number is : XXXX, Issue Date : XX/XX/XXXX, Exp. Date : XX/XX/XXXX
Product: Credit reporting 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  : XX/XX/year>, XXXX : XX/XX/year>, has violated my rights.