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

My complaint is with Goldman Sachs management of the Apple Card. My account was opened without any issues. I am in great financial shape with no debt. I began using the card per usual. After a few weeks the account was restricted with no explanation. I had even made an early payment to clear the outstanding balance. After several text sessions and a phone call, I talked to someone who said they needed more account information from me but had not communicated that to me. They assured me that the issue was resolved and the account reopened. Several days later the account was closed again and again no explanation. I have now spent countless hours with their front people who have no clue but to tell me that the account is under review but have no more information. No one will contact me and Im told it could take 10 days. The level of ineptness throughout the process has been astounding. I still have no answers days later just vague, patronizing text messages. I have never experienced such ineptness. Apple should seriously reconsider their relationship with Goldman Sachs.
Product: Debt collection

This 3rd party debtor is Midland Funding ... I am a sick woman on XXXX my bills are more then what I get from XXXX..I have been in and out of the hospital, almost died several times. I lost my soul mate of 15 yrs XXXX XX/XX/XXXX, I had to get a work at home job to try and make ends meet, I did not know anything about this debt til they filed for garnishment of my wages which I was only notified by my job not them, then when that did n't work and I called them and they said they served me but could not describe the person they served they then sent me a letter saying they did not have to prove i signed the document for this debt, when that did n't work they tried to freeze my bank account, which my bank notified me of and I then filed a motion in court to have it thrown out, that is how I found out through the court they filed XX/XX/XXXX, I never heard or was notified of any of this. I am waiting on a court date to go to court to see if the judge will see a economical hardship or head of household hardship and have it thrown out, for them to never be able to come back at me again.
Product: Money transfer, virtual currency, or money service

Companies Involved : Coinbase - account created XXXX - Parent company of Coinbase. Same Coinbase credentials used to log into XXXX XXXX XXXX, XXXX - Created Coinbase account online XXXX XXXX, XXXX @ XXXXEST - Same Day Wire Transfer of $ XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX - submit request to XXXXXXXXXXXX, receive generic response stating to check back on the XXXX. 

XXXX XXXX, XXXX - nothing back from support so reply to support with additonal information. 

XXXX XXXX, XXXX - another request/email to XXXX inquiring about funds, no reply. 

XXXX XXXX - XXXX XXXX - Mulitiple calls to XXXX support with 2+ hours of wait time with no pickup or system hangs up. 

Its been over a month and I have not received my $ XXXX SAME DAY wire transfer to my coinbase account?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently pulled my credit report and noticed a collection that I did not receive notice from mail or phone call from XXXX. I called customer service about the account and the automated system notified me that my account was being handled by Diversified Consultants Inc. I have not received a phone call or letter in the mail from Diversified to discuss my account. The account is on my XXXX and the acct # from XXXX is XXXX and was last reported in XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX AND EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I am filing this complaint as a living man against your company that is causing harm to my finacial reputation. You claim to have verified this account however the account is incomplete which is a violation of the FCRA. Your company continues to report an account with incomplete and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is incomplete information. That same account is reporting an incomplete account number of XXXX. Lastly the XXXX is reporting a date of last activity of XX/XX/XXXX and Transunion is reporting XX/XX/XXXX. Both of these can not be true. Your company is also reporting another account that you claim to have verified as XXXX. This name reporting is incomplete. That same account is reporting an incomplete account number of XXXX. Lastly this account has XXXX reporting a date of last activity of XX/XX/XXXX while Transunion is reporting a date last active of XX/XX/XXXX. Both of these can not be true and my consumer report be accurate. You must verify or delete this incomplete and inactivate information. This is my last correspondence before I send you an invoice for the damage caused to me. I will seek legal remedy if you fail to comply.
Product: Debt collection

I received my report and Enhanced Recovery Company had reported this dept on XX/XX/2019 in the amount of {$210.00}, that I do not owe. I want this debt removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter enclosed explains my dispute on several accounts. I never recieved what was asked for in the letter. The credit bureau is non compliant and this is the third attempt. This now qualifies to be deleted for non compliancy on all accounts listed in the letter attached. I will pursue this in court if they are not deleted
Product: Debt collection

Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this?
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXEquifax listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXXPlus their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXXI had XXXX  different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, and all my personal information was exposed online in the Experian Data Breach and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

Attached is a letter from XXXX XXXX  for proof of payment of the the following credit card accounts listed on my Experian and XXXX credit Report : XXXX XXXX XXXX  # XXXX, {$250.00}, XXXX XXXX XXXX # XXXX, {$330.00}, XXXX XXXX XXXX  {$100.00} and XXXX XXXX {$610.00}. I want Experian and XXXX to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my Experian and XXXX credit report.
Product: Debt collection

I was notified multiple times about the debt, I just got in good with my job to where I can make said payments and the account was closed, this was my first credit lines opened and I am just trying to pay off the whole thing within the next two months
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. I recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX  has not updated XXXX sinceXX/XX/2018 ( see attached ) and Transunion sinceXX/XX/2018 ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Product: Credit reporting or other personal consumer reports

XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Complaint Type : Credit Reporting Subject : Violation of IRS Regulations & FCRA Improper Charge-Off Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations , the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report. 

XXXX. Improper Charge-Off Reporting According to IRS regulations ( IRS Form 1099-C, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account. 

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : ADS Comenity NY & Co. 
ADS Comenity Victorias Secret Laws Violated : IRS Regulations ( IRS Form 1099-C & Tax Code ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus. 
Relief Sought : Immediate removal of the improperly reported charge-off accounts.

Immediate deletion of the alleged late payments. 
A formal investigation into the ongoing violations and unfair reporting practices. 
Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

On XX/XX/year>, LVNV Funding LLC sued me on a time-barred debt in a jurisdictional district where I did not reside. The company knew, or should have known, that fact. Not only did LVNV Funding LLC sued, but they made a false declaration to the Court that I was properly served process in person at an address that I did not reside on the date I was allegedly served. Furthermore, despite several request for verification and/or validation of the alleged debt, LVNV Funding is yet to provide such verification and/or validation. 

Summary : ( 1 ) On XX/XX/year>, defendant violated s.1006.26 of the FDCPA by filing a lawsuit on a time-barred debt.

( 2 ) Contrary to s.811of the FDCPA, defendant unequivocally filed a lawsuit in XXXX XXXX XXXX TN, a jurisdictional district in which plaintiff did not reside at the commencement of the action on XX/XX/year> or anytime thereafter. 
( XXXX ) Furthermore, defendant failed to verify and/or validate the alleged debt within 30 days of initial contact ; thus violating s. 809 of the aforementioned statute.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : Accounts : XXXX XXXX XXXX XXXXXXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00XXXX XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

A XXXX XXXX at VyStar credit union or XXXX XXXX  shut my account down because XXXX XXXX my former girlfriends XXXX had access to it with verbal permission from me. It got shut down for revenge against me for how I treated XXXX XXXX due to gang stalking. She has a lot of friends and has XXXX me over financially multiple times for revenge of not being into her style of having a relationship. She stalks me a lot and her sisters have to help her with stuff like that. I would like yall to investigate this please and I hope something comes of it. XXXX also has a really bad habit of XXXX me over.
Product: Credit card

Fraudulent charges on XX/XX/year> at XXXX. Called disputed charges. No results after proof. And many back and forth no conclusion.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I identified an account that is inaccurately reporting late payments. I have contacted the company associated with this account, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. 
I would like to point out that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items, and I ask that you investigate this account promptly and make the necessary corrections. 
XXXX XXXX.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings and against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear To whom it may concern, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following account ( s ) listed IMMEDIATELY : 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