23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

All transactions were to be disputed by XXXX and no report was every provided from any of the following companies : XXXX Opened- XXXX XXXX  XXXX {$290.00} -Has called me over XXXX times monthly and sends at least 20 texts monthly, has also not provided any supporting information to verify the veracity of money owed Opened- XX/XX/XXXXXXXX XXXX XXXX - {$260.00} -Refuses to verify the account or provide any supporting information XXXX Opened- XX/XX/XXXXXXXX NCA - {$290.00} -Has called me over 100 times monthly and sends at least 20 texts monthly, has also not provided any supporting information to verify the veracity of money owed Opened- XX/XX/XXXX Consumer Adjustment - {$120.00} -Have no idea what this account is Opened- XX/XX/XXXXXXXX XXXX XXXX  - {$260.00} -Refuses to verify the account or provide any supporting information
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Number XXXXStep 1What product or service is your complaint about?Step 2What type of problem are you having?(https://www.consumerfinance.gov/)Submit a complaint / Complaint filedPRODUCT OR SERVICECredit card or prepaid cardTYPEGeneral-purpose credit card or charge cardISSUEProblem with a purchase shown on your statementHAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?YesTYPE OF ISSUECredit card company isn't resolving a dispute about a purchase on your statementXX/XX/ Complaint Printhttps://complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?sessionid=XXXX... XXXXStep 3What happened?Last month the above took out a debt consolidation loan with a company by the name ofXXXX XXXX account was approved for XXXX as a line of credit and about the 25th of last

month the above issued check from his XXXX account in the amount of $XXXX. mailedthe check with his monthly credit card statement to XXXX less than 48 hours XXXX hadcredited the amount of the check to the above credit card and available balance , afterabout 10 days there became a problem with that check that was deposited and then whenthe above made contact with XXXX XXXX XXXX to ask them why they did not Institute aHold on said check in order to verify funds before accrediting my account they said they donot verify checks, after speaking with my account representative at XXXX XXXX   heinforms me that after XX/XX/XXXX With XXXX XXXX XXXX problem all federal and state institutionsare required to verify accounts if they are above $1000. Therefore if XXXX had placed ahold on said check and then said check had a problem then the only issue between thecustomer and the bank would be a returned check fee not a account overdrawn fee?XXXX XXXX feels XXXX  is negligent and therefore XXXX feels that they do nothave to pay for XXXX  mistakesWhat would be a fair resolution to this issue?no fees and no negative information on credit filesStep 4What company is this complaint about? I want the CFPB to publish this description on consumerfinance.gov
Product: Debt collection

I noticed outstanding debts on my credit report and immediately contacted the company. I wanted to get a statement, and to pay the debt online. The agent refused to give me the information to get into the account online and repeatedly tried to bully me into paying the debt over the phone without a statement.
Product: Vehicle loan or lease

I have been a BMW customer for over XXXX  years with no late or missed payments. I was in the process of leasing my XXXX bmw and each time more expensive. This payment was agreed to be XXXX with the agreed terms that I will return the current lease and all lease end charges for that car will be negated since I am leasing a new 2021 car from them that is more expensive than the one I am returning. They agreed that this deal was fair. I signed the paperwork and I was on my way. 

A few months later I get a statement for {$1000.00} dollars for the car I have returned and was told that I must pay this lease end payment. This was completely incorrect and not the deal that was made with BMW when I signed a new car lease. After multiple back and forth with them they decided to proceed with harassing me to pay this lease end payment. When I asked for paper proof of the statement they sent me a letter ( attached below ) and the amount was for {$680.00} dollars. Once again their financial services account says {$1000.00} and the paper statement from bmw financial services says {$680.00}. They are sending misinformation and providing me different amounts to pay. I am worried about my future and my credit score/report. I have always paid my bills and do pay my bills on time. I have never missed a payment to BMW financial services or any other credit card company. They are trying to XXXX my reputation as a good citizen and paying my bills. Please assist me in removing this from my report. I do not deserve this as a customer and as a citizen of this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted capital one the company they are collecting for they were not able to locate the account.
Product: Credit card

I was doing a detailed review of a statement one of my lesser used credit cards from Citibank and noticed a line item that appeared odd to me. The line item was listed under " fees charged '' and specifically was called " Payment Safeguard XXXX. '' While I look through my credit card statements to ensure that purchases listed are correct, I trust the fees and interest charges are correct from Citibank. This " protection '' is not something I ever asked for or have any recollection of purchasing as I'd have no reason to do so with excellent credit and a stellar payment record. 

I spoke with a representative from Citibank on XX/XX/XXXX and brought up this issue. He apologized and reversed the last two charges but said that I'd have to reach out to " billing disputes '' in order to have prior fees reversed/waived. After reviewing all statements available on my Citibank portal ( XX/XX/XXXX through XX/XX/XXXX ) I discovered that I've paid {$1300.00} ( without factoring in interest ) over that time period. I requested to get my statements going back farther but my request was denied by Citibank. I had believe getting those historical statement would show that this had been going on much longer. 

On XXXX, I sent a detailed email outlining how I did not sign up for any " payment safeguard '' and that the fees Citibank was charging me were incorrect and I hadn't approved being in such a program. 

On XXXX, I followed up asking them to intervene to help with getting the older statements ( XXXX  XXXX ). 

On XX/XX/XXXX, I called the number listed on the fee and asked the representative to stop any future payments and asked for an explanation re : why I was charged these fees. They stated to me that I'd have to call Citibank but that I had likely been automatically enrolled and that the practice does not take place anymore. They also said they would initiate an " investigation '' but have never since called me. I followed up via email to Citibank on XX/XX/XXXX informing them of my phone call with this XXXX number. 

On XX/XX/XXXX I followed up via email again with Citibank. 

On XX/XX/XXXX I followed up with Citibank again. 

On XX/XX/XXXX I received a letter in the mail stating that I had purchased the program in XXXX and that they were denying my request. 

Based on my research online I believe that CFPB has actually helped on this exact topic and so I am reaching out for help given I believe I have been victimized by Citibank and that their actions seem to be a violation of the Truth in Lending Act. 

I can not get anyone to talk to me from Citibank to address the matter and they won't even provide full information on my account to understand the full extent of the charges going back to XXXX. Let me know what I can do. 

I've uploaded my emails to Citi and can upload the letters they sent me if that is helpful as well. I have also uploaded my last statement which includes the charge so you can see it as well.
Product: Credit reporting or other personal consumer reports

1. Victorias Secret Credit Card, opened on XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX Credit Card, opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX accounts related to an apartment I never moved into : Opened on XX/XX/XXXX, with a balance of {$13000.00}. 
Opened on XX/XX/XXXX, with a balance of {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Reconsideration of Apple Card Application Denial Dear Goldman Sachs Apple Card Team, I hope this message finds you well. First, I want to express my appreciation for your transparency and professionalism in notifying me of the reasons behind my recent application denial for the Apple Card. Your customer service has truly been a XX/XX/year> experience, and I am grateful for the clear communication. 

I understand that the decision was based on two primary factors : 1. Multiple recent applications for credit, resulting in hard inquiries on my credit file. 
2. A recently closed checking and/or savings account by a bank. 

Please allow me to provide some context. Unfortunately, I have been a victim of identity theft, and as a result, numerous unauthorized applications and transactions were made in my name. I have since taken significant steps to rectify this issue by working closely with XXXX XXXX and law enforcement to ensure that all fraudulent activity is wiped from my credit report and records. I expect these issues to be fully resolved soon. 

Given this, I am respectfully requesting a reconsideration of my Apple Card application once the necessary corrections are made to my credit file. I believe that once the fraudulent inquiries and account closures are removed, my profile will reflect my true creditworthiness. My current credit score of XXXX reflects the impact of this unfortunate situation, but I am confident that it will improve once the fraudulent activities are fully addressed. 

I am committed to maintaining financial responsibility and security moving forward, and I am hopeful that, upon resolution, my application will be reassessed for approval. I would also appreciate consideration for a higher credit limit once I am approved, as I plan to use the Apple Card responsibly for both personal and professional purposes. 

Thank you again for your understanding, and I look forward to reapplying once everything is resolved. Your assistance and continued customer service are greatly appreciated. 

Best regards, XXXX XXXX Email : XXXX Phone : XXXX
Product: Vehicle loan or lease

The problem is I will talk to someone at Regional acceptance and made payment and they will continuously keep calling. They call me up until XXXX at night. I asked them not to call me after XXXX because I am in bed and they said they have a right to call me up until XXXX XXXX. After I told them that continuously called me until XXXX with several back to calls. This at XXXX they started again with at least four calls in a matter of 2 minutes. I told them XXXX said she was my account Representative and they refused to listen. They call me from different phone numbers. I am getting interest everyday I am at XXXX for two car payments regional acceptance charges interest daily.
Product: Prepaid card

I have been trying to use my gift card to purchase items from different merchants such as XXXX, XXXX, and XXXX XXXX. However, it keeps declining and I have been unsuccessful in using the gift card. I try to contact American Express customer service but there is no way to speak to a live person.
Product: Credit reporting

Hi they will not up date my account with XXXX the account was paid in full no balance owed also they are putting fraudulent medical accounts on my credit I have full coverage medical insurance from XXXX Obama care no deductible or they are bringing old deleted accounts back as new and selling them to different companies please help me thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Accounts # XXXX  / # XXXX / # XXXX / # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
: XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX or XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  Bankruptcy Discharged # 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I requested {$300.00} from my Pen Fed Checking account on a XXXX ATM located at the Quick Check on XXXX XXXX XXXX in XXXX, NJ. I did not receive the money and immediately looked at my account and saw that it was noted as withdrawn. I called my bank ( Pen Fed Credit Union ) who told me they would provide a provisional credit to my account and would pursue the issue with the other bank that runs the ATM ( XXXX ). 

On XX/XX/XXXX, I received a letter from Pen Fed simply saying they were closing the investigation and that there was found to be no issue and they removed the $ from my account. 
I called Pen Fed, explained the situation again and asked them to dispute further and request a video from the XXXX machine. The dispute department of Pen Fed has refused to request a video and said there is nothing they can do. They offered to send a printout of the transaction they received from XXXX noting the transaction ( well we already knew this was the case otherwise I should have no issue ). 

We asked the store to see if they could get a video from that night and they are looking into it, they did state that the machines have since been replaced. The funny thing here is that the Pen Fed contact said that XXXX tech went out to examine the machines and found there was no issue- if no issue- why replace them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Closed accounts : XXXX  # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Money transfer, virtual currency, or money service

I transferred an amount of {$10000.00} on XX/XX/2023, and {$15000.00} to Wise Inc. on XX/XX/2023 through wire transfer from my bank account. These were already both deducted from my account the same day then Wise closed my account after receiving all these money on XX/XX/2023. I called in today XXXX XXXX ( XXXX ) and they said they didn't know why my account was closed and they would get back to me after 30 days for them just to perform some review without guarantee that my money will be returned. 

I want this resolved as early as possible as those are for my child 's medication ; hence, the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Ic systems is reporting and attempting a debt for XXXX XXXX. XXXX XXXX debt is invalid, As i was protected under the Soldiers and Sailors ACT. I was deployed, and notified them to my file acct on hold, per the act. And they did not. They are in violation of the SSCRA And I do not owe this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear XXXX, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Experian. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

Bank of America authorized a new credit card which I never authorized and sent it to an address which is not mine. I received a notification on XX/XX/XXXX to me email and called them to let them know that I never applied for that card. BOA advised me they would cancel the card and XXXX, in fraud department advised me they made a fraud claim for me. On XX/XX/XXXX I received another notice from the bank that another card was processed and shipped out. When I called BOA on XX/XX/XXXX the fraud department told me that they could not find the claim that was previously done. This was issued after I put a fraud alert on my accounts. The supervisor appolozied and said she would cancel that one too and insured me she would submit a claim. 
Failing to report a fraud claim by a bank caused my identity to be stolen.
Product: Credit reporting or other personal consumer reports

No action or investigation was done. These creditors already submitted security bonds in my name. According to consumer law : Right to Adequate Assurance of Performance.