23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Used cashapp during covid, for the first time to accept payments and to use for other services such as to learn how to trade on line. After paying company over XXXX the company refused to provide the true profits i made and the salary i earned the also asked me to send fees to collect on profits but they never came through. Cashapp customer service ignored all attempts to investigate or help find out where the funds went to what wallet and why they could not help me get a refund.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and I noticed these inaccurate accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions.
Product: Credit card or prepaid card

APPLE CARD ISSUED BY GOLDMAN SACHS BANK USA IS NOT IN COMPLIANCE BY LAW IN APPROVING AN APPLICATION FOR THE TRUE CARDHOLDER. IVE BEEN TRYING TO GET APPROVED FOR THE APPLE CARD FOR A WHOLE YEAR AND EVERYTIME I APPLY I GET DENIED EMAIL SAYING I WAS DENIED BECAUSE THEY CANT VERIFY MY IDENTITY. 
WHICH IS NOT TRUE DURING THE PROCESS THEY ASK TO UPLOAD MY DRIVER LICENSE WHICH SAY SUBMITTED SUCESSFUL. THAN 10 MINUTES LATER I RECIEVED AN TEXT ON MY PHONE ASKED DID I APPLY FOR THE APPLE CARD I TEXTED BACK YES THAN SAY APPLICATION IS PENDING. 
NEXT DAY I RECIEVED AN UPDATE ON APPLICATION THAT IT WAS DENIED SOLEY THEY CANT VERIFY MY IDENTITY WHEN I ALREADY SUBMITTED VALID DRIVER LICENSE WITH SAME ADDRESS ON DRIVER LICENSE ALSO THEY PULLED A SOFT XXXX  PULL WHICH HAS SAME INFO I HAVE GOOD CREDIT AND THERES NO REASON FOR AN DENIAL WHEN I AM THE TRUE APPLICANT APPLYING. THERES AN ERROR SOMEONE WHERE IN THEIR SYSTEM THAT KEEPS DENYING MY APPLICATION FOR CREDIT WHICH IS UNFAIR I SHOULD HAVE SAME RIGHTS TO APPLY FOR CREDIT AS ANYONE ELSE WHO GET APPROVED. 

ALSO REVIEWING ONLINE REVIEWS FROM PAST CARDHOLDERS OF APPLE SAYS WHEN DOING THEIR APPLICATION ON PHONE THEY GOT AN INSTANT APPROVAL WITHOUT ASKING FOR AN ID AND MOST COMPLAINTS PEOPLE HAVING TROUBLE GETTING APPROVED FOR CREDIT AFTER UPLOADING ID SAYING CANT VERIFY IDENTITY. 

ENCLOSED IN ATTACHMENTS OF DRIVER LICENSE FRONT AND BACK, SOCIAL SECURITY NUMBER FRONT AND BACK, UTILITY BILL IS TO PROVE MY IDENTITY AND ASK THIS APPLICATION BE MANIUAL APPROVED. 

I WILL BE SEEKING AN ATTORNEY TO ASSIST ME IN SUEING APPLE FOR DENYING ME FOR CREDIT FOR AN WHO YEAR WHEN I PROVEN MY IDENTITY IN UPLOADING MY DRIVER LICENSE AS REQUESTED BY APPLE WILL SUE IF THIS COMPLAINT IS NOT RESOLVED IN MY FAVOR BY XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts that i had exceptional payment history with and During Covid I received a couple late payments that were not due to my fault at all ( and I am not saying latenesses were because of Covid ). It was an issue on the bank or lenders side. This has crushed my credit. I tried to contact them multiple times directly and through the credit bureaus. They removed 1 late payment, while i am grateful for this, i still want all removed because it was not my fault. It was a glitch within their systems that they admitted to.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

United consumer inc never send me a letter or never contacted me.I dont remember had contact this debt. I just found the collection in my credit score. I try to call them but they just want me to pay something that I dont know. dont understand and dont know what they are talking about. This debt is totaly strange to me. Is look like this a scam. Just send them a letter to send me collection letter with all necessary document relate to this do calm debt.. Still waiting them. to react..
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have attached a FTC report containing XXXX fraudulent accounts along with XXXX inquiries that I didnt do
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of my accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. states that I have the right to privacy.

15 USC 1681 section 604 A. It also states that a consumer report can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information and other adverse items of information other than records of convictions or crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I live in XXXX, but my permanent address is my parents house in XXXX. My parents received a debit card in the mail in my name from Bank Of America and informed me of such. I have never opened a Bank of America account in my life. I believe this account was fraudulently opened in my name, using some piece of my vital information. I do not know how Bank of America allowed this to happen without me being present in a branch with physical proof of my photo ID, passport, social security card, or birth certificate.
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Mortgage

Defaulted payments on my deceased husbands account, in which i am the sole executive of estate. My husband had a loan modification XXXX for term XXXX, he passed in XXXX. I was not able to continue payments. Since the loan was sold, in XXXX, one servicer made a short payoff settlement agreement within 90 days of {$30000.00} due XX/XX/XXXX. The loan was sold again effective XX/XX/XXXX, XXXX the new servicer will not accept the amount nor will they modify the loan stating that I am not able to pay according to my loss loan modification application.The loan is they state as 400 days ( 13 months XXXX past due, however i do understand this but they are billing for XXXX each time the amount increases the modification PI was {$390.00} taxes XXXX .they keep increasing amount.adding taxes in which i pay the taxes yearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Product: Debt collection

There is a collection company that is reporting a bunch of medical debts that are unknown to me, I have disputed and requested validation and nothing has been received and this information is still on my credit file which is in error.
Product: Student loan

This loan is on its third processor in two year ( ACS to XXXX XXXX to XXXX ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " re-amortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now XXXX is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting the method of verification for an alleged bankruptcy listed on my credit file XX/XX/XXXX via certified mail.I received a response from TransUnion on XX/XX/XXXX stated they received my dispute and went over the investigation process. I received no results to this matter for over 120 days. I filed a complaint with cfpb on XX/XX/XXXX they responded with a typical message and sent another letter in mail stating the dispute process on XX/XX/XXXX. I have yet seen any results from this investigation I requested a Method of verification and have not been provided that information. My complaint was closed with the cfpb after the company responded. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the method of verification of an alleged bankruptcy listed on my credit file. I received a letter on XX/XX/XXXX stating the bankruptcy was certified from a third party. I requested the name of the company who certified this information I received no information. I filed a complaint with the cfpb on XX/XX/XXXX I received a letter in mail stating once again it was certified but they failed to tell me who certified this information as requested 3 times. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the same information as the other bureaus a method of verification of an alleged bankruptcy on my credit file I received no response from the bureau for over 120 days until I filed a complaint with the cfpb. The company did not respond after 30 days and this alleged bankruptcy by law was suppose to be removed due to the no response after 30 days. XXXX sent a letter requesting proof of identification and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan through Santander USA. I made my final payment, after receiving the pay off balance through Santander. The final payment was made on XX/XX/2020. On XX/XX/2020 Santander reported my account closed and 30 days late. I have never been 30 days late. I called Santander and was advised by customer service to go through the credit bureaus because it was faster. The customer service agent for Santander reviewed my payment history and said I had an exceptional payment history with them. She also said she didn't know why they reported me late. I filed disputes with all three bureaus. Santander doubled down and denied my dispute and still kept me at 30 days late. I called Santander again. Customer service again said I had an exceptional payment history and was never 30 days. They then told me to submit my dispute to them in writing. I did exactly that. I never heard from them. I filed another dispute with the credit bureaus in XXXX and Santander STILL denied me and kept me late. I called Santander just now and after being on hold for 30 minutes, they hung up on me. I tried to log into my account online and I am now blocked from signing in. I am completely frustrated and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX Equifax letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my XXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my XXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For XXXX, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from XXXX, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my XXXX is still being reported as information to be known that they are on my XXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX #  XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for XXXX  # XXXX. 

XXXX  # XXXX, as of XX/XX/XXXX refuse to update my address  to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my XXXX, although it is acknowledge that the XXXX Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,
Product: Credit reporting or other personal consumer reports

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans reporting all inaccurate information. The loans are up to date and rehabilitated. XXXX XXXX Trust, Department XXXX, XXXX, & XXXX XXXX. Please update my Student loan information to reflect the true accuracy. Since there are so many errors reporting on loan information I asking for all other adverse be updated. 
XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are all paid as agreed and have never been delinquent on the dates listed on my credit reports.
Product: Credit card or prepaid card

XX/XX/2023 ( around XXXX EST ) I received a phone call which my phone identified as CHASE FREEDOM ( XXXX ). I answered it and the man began telling me that there was suspicious activity on my credit card. Being a suspicious person, I checked for a phone number on the back of my credit card and it matched with the number that was calling me. The man proceeds to continue to ask me about purchases claiming he worked with Chase 's fraud department. Over the course of the conversation his questions became increasingly suspicious ( do you bank with chase 's mobile app, what is your social security number for verification purposes, etc. ). Eventually he asked me about my bank account that I frequently use to pay my credit card. I told him I would not discuss this with him and would be talking to a XXXX employee about this. He attempted to assure me that this is normal procedure and read back to me my full name, my full social security number, my full phone number, and my address, as well as an incorrect email address ( XXXX ). I informed him that this was unnerving and he began to transfer me to a " XXXX '' employee ( pronouncing the bank incorrectly with a " t '' multiple times. ) I again checked the back of my XXXX debit card and the number I was transferred to matched. A new man asked me fake security questions like my mother 's maiden name. I mistakenly answered these. Then he began asking me for my username for the " XXXX  '' mobile app. Then he asked me what my balance was. I told him if he truly worked for XXXX then he would have access to that information and told him I would not be revealing this to him. I then asked him if he could just put a freeze on my debit card and issue me a new one. He refused stating it was " unnecessary. '' At this point I told him I believed this was fraud and hung up. They attempted to call me back 6 times from the number XXXX ( which matches XXXX 's real number ). Then I called XXXX and Chase myself and with the help of the real representatives we locked my accounts. The Chase representative informed me that a few of my purchases were fraud and multiple digital wallets had been opened using my credit card. The XXXX representative informed me that during our phone call, there were a few attempted purchases from XXXX.
Product: Mortgage

XXXX was closed and ignored by both the CFPB and NewRez. See attached the foreclosure documents left on my front door to indicate a sell of my property in XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, my personal information is attached to this complaint. 

I hereby file a formal complaint against a collection agency known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This agency did not follow legal protocol pertaining to debt collection validation. I was just on a call with a representative of XXXX XXXX XXXX XXXX, stating my position that there was no bill owed to XXXXXXXX XXXX XXXX since I removed myself from a particular course before the deadline. Here is my description of a call that was recorded by XXXX XXXX XXXX XXXX. 

Client : XXXX XXXX Date : XX/XX/year> ( Report of a conference call made about {$510.00} collections on XXXX XXXX credit report to XXXX XXXX XXXX XXXX ( debt incurred at XXXX XXXX University ) at XXXXXXXX XXXXXXXX XXXX on XX/XX/year> ) XXXX described the incident to a representative names XXXX as follows : A year or so ago I was enrolled at XXXX XXXX University and received a scholarship. I withdrew from my current course before the withdrawal deadline and had already paid up through that following month for tuition costs so I was under the impression that if anything I would be receiving a refund or owe nothing more. Recently I received this collection notification. 

Upon being asked if I had contact XXXX, XXXX stated : I texted my old advisor and she told me it was a back charge of the scholarship I had gotten for that semester. 

XXXX then asked what the pathways from credit removal were. 

When asked XXXX confirmed : Email, phone number and date of birth. 

XXXX stipulated that he was requesting a full validation of the debt to XXXX XXXX University, however the full validation should have been requested before a collection was ever posted as required by the Federal Trade Commission and most recently by the Consumer Financial Protection Bureau. 

This collection is not valid and should be removed permanently from my Equifax credit report by XXXX XXXX XXXX XXXX. This company does not get XXXX bites of the apple because of a clerical error. I never took the course in question and should never have been charged. The collection is fraudulent, and sanctions must be submitted against XXXX XXXX XXXX XXXX by the Consumer Financial Protection Bureau. 

This collection must be deleted from my credit report ( Equifax ) and my file purged with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, 2022 to update these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Debt collection

Earlier this year, I checked my credit reports and noticed a collection fr om Convergent Outsourcing f or the amount of {$1300.00} and the original creditor was  XXXX . I disputed this collection on two separate occasions for the  XXXX  credit bureaus and my collection was successfully removed without paying anything. On  X/XX/2017   , I checked my credit scores via the myFICO app and I saw that the collection was added again without any type of notification. I calle d Convergent Outsourcing o n  X/XX/2017    and asked the rep will they report my collection paid in full once I pay it in full and the rep did n't answer my question.