23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Apple card closed my account on XX/XX/XXXX and i had severall open dispuites with them. They have not given the money for my dispuites i have sent them documents showing that they never credited my account for the dispuites their are severall that were never added ro my account and i have sent in documents severall times the ammounts are as follows {$240.00} XXXX home depot as explained severall times their were two orders one was cancelled due to shortages and the money never refunded. 

{$170.00} home depot apple insists that the merchant gave me credit for this when it says on my statement that credit was denied when I log in it's showing A plus balance of XXXX and if you add the other three to that that they that they never did it will be {$900.00} and I wan na know how I go about getting that money back because my apple card was closed and this has been well long over 90 days. Im sending documentation and showing that this was never credited back that the XXXX never credited my account back and neither did apple because if it was I would have seen a credits in one of those and I am sending all the statements there and the XXXX XXXX and XXXX were never given credit by either apple or XXXX it does not show up on my statements I need to get this issue resolved and get this taken care this is going on five months and it seems to be every time I call I get a different answer from whoever answers the phone if you have any questions please give me a call my number is area code XXXX thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will
result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX, XXXX. 
Date of Inquiry : XX/XX/year> I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
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, XXXX  : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

To whom it may concern, I have 2 hard inquiries I did not apply for and have no knowledge of which are the following. these are the 2 cards XXXX XXXX XXXX ( Bank ) XX/XX/year> and XXXX ( XXXX )  XX/XX/year>.
Product: Credit card or prepaid card

On XX/XX/2020 and XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. Letters came to me only two months later.
Product: Checking or savings account

On XX/XX/2017 I made an internet purchase that was mistakenly deducted multiple times from my checking instead of once. This did not come to my attention until I was accumulating NSF fees from USAA when my auto-bills and savings transfers were deducted. I brought this to the attention of USAA and made several calls stating that this was a mistake and the excessive fees are keeping the account in negative balances which in turn is accruing more fees. 

The representatives refused to remove these fees even though this was not my fault and they have accumulated to a total of {$460.00}, which is absolutely excessive. Today they told me that as a courtesy they would remove two of them, the total is still over {$400.00} dollars. Not only this they have given me poor financial advice in response, one rep I spoke to was condescending and told me that I should apply for a different credit card with a higher limit to handle all of this, I did this and it lowered my credit score. Another representative suggested that I get rid of my acorns savings app because those transfers of small amounts are what triggered a few of the fees, as though it were because of the app and not because of the fact that over {$400.00} is missing from my account. 

I had no choice but to take out a {$500.00} emergency loan from a family member just to get the account to even so the fees would stop. I asked how they can possibly justify taking {$400.00} from me over a mistake and they just repeated " there's nothing we can do. I make enough money to cover my bills and I send a small amount to savings, USAA has completely taken advantage of me, {$400.00} is greedy and excessive. Also after the way they talked to me and their " suggestions '' about what I should do, I feel discriminated against for my financial status, it's my choice to do what I do for a living even if will not make me rich, it makes me happy and it affords me what I need, it does not afford me to pay USAA 's frivolous fees for nothing.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX Bank account was opened under another date of birth different from mine, the information provided by XXXX XXXXXXXX is completely different, they sent me a report where they told me that they could not confirm my identity and they are charging me from a card that was closed. My credit report is affecting me since a closed card appears in my credit but the company can not verify my information. 


I have tried to communicate with them but since the information they have does not match my information, they can not give me any help in this regard so I request that all the information can be verified and in this way it be removed from my credit report
Product: Debt collection

I originally files a Fraud complaint with the FTC based on XXXX stating to get a case file number XXXX. I realized today that the FTC will not do anything for me and I have not heard back from the Companies in question. My case was a Fraud case against XXXX XXXX XXXX because the stole my identy information and created a leasing agreement against me. I will provide submitted information I provided to the FTC and what I also submitted to the Collections company that appears to have the bought the outstanding debt. That company XXXX XXXX XXXX XXXX who transferred it to XXXX XXXX XXXX, XXXX XXXX. I have spoken to the company and also submitted documentation that I do not own them anything. My attachments so into greater detail and also has proof that I was not in the area of purchase or could have used that bogus IP address, which belongs to company out of XXXX XXXX XXXX area. Additionally I find it unusual for a leasing company to not have a phone number, especially a phone lease.
Product: Bank account or service

my parents have checking account with US bank. My father was financial one.They were overseas and father died in XXXX. XXXX is sick staying in XXXX ca n't make it back. We arranged for me to be her POA and file that with US bank. There were unauthorized charges made on mom 's debit card. We have filed this with fraud department. her card was cancelled and took 2 months to receive new XXXX after numerous calls which XXXX cost my mom {$250.00} because calling from XXXX. Bank 's free ph # did not work from my mom 's location.Here only access to her funds is with her debit card getting money from atm. We have repeatedly told US bank not to use her temp address in XXXX as it prolongs any procedure. She has local XXXX XXXX XXXX that we supplied bank with. And again some form necessary to return in given time was mailed to XXXX which resulted in not being returned on time and her card is on hold so again no access to her funds and to her social security checks! This time I tried calling again fraud dept after 40 mins and after XXXX different people no one could help me and I got hang up on. Local branch ca n't help I was told we have to deal with fraud dept. I tried calling again after 15min hold I had to hang up I 'm at work and ca n't spend half day on hold. This has been the worse institution to deal with ever and specially considering it is about my elderly sick mother who is still mourning her husband and should not have to deal with this! This is just a nutshell we have been dealing with this since XXXX XXXX, 2016. I am very disappointed and do not know what else to do to get this solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX open operated fraudulently, someone as been using this account in my name posing as me and paying as well. please block and remove.
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 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 violated my rights. Or list of inquiries 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 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: Debt collection

This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to Portfolio Recovery in the amount of {$910.00}. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing information that I deem to be private in nature. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with a notice of debt as required by the law and did not give me any information about how they verified this false information when I requested validation of the debt. Plus, they can not verify something that is flat out against the law. 

Please assist me in correcting these blatant violations of federal laws that serve to protect consumers as these violations are gravely impacting the quality of my and the lives of my family members. 

Thank you in advance!
Product: Debt collection

I am currently trying to refinance my home. After talking to a lender I found out that I have a judgement against me that I did not know about. After trying to find out more information about the debt, i.e. going to the courthouse to find the claim, calling the creditor themselves ... We could not obtain any information on this debt. We contacted XXXX and they stated that they did not have any information on this judgement and they directed us to a lawyer office which turned out to be a dead end because it is just a recording with no number to reach anyone. We have tried to contact them several times. I have not received any letters about this judgement or any other forms of contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my public and personal information on all 3 of credit reports.The infomation being reported is incorrect and not accurate. 
Experian, XXXX and XXXX
Product: Prepaid card

I received a Visa prepaid gift card administered by InComm Financial Services and issued by XXXX, XXXX. this XXXX XXXX. The balance of the card was {$100.00} when I received it. I tried five times to make a purchase in the amount of {$48.00} from an online retailer, but the transaction was declined every time even though I had sufficient funds on the gift card and the retailer is completely legitimate. I then contacted InComm 's customer service number printed on the back of my particular prepaid card ( XXXX ) and was connected to an agent who sounded like he was from an XXXX country. I gave said agent my gift card number and then the XXXX " serial number '' on the card 's back, and he told me that the information I provided to verify the card account was invalid and that he would place me on a one to two-minute hold. About 30 seconds later, the call was dropped by the agent ( not by me ). InComm is not even doing the bare minimum to help the recipients of their prepaid debit cards actually spend the money loaded onto them ; they definitely were of no help whatsoever in my case.
Product: Debt collection

Rent debt Erroneous keeps reporting a debt that I do not owe from XXXX XXXX  I never received an original collection letter from them to my forwarding address of XXXX XXXX XXXXXXXX XXXX it was sent to the incorrect address several times. 

ATTACHED : I have included correspondence directly from my previous landlord that shows my correct forwarding address. rent debt erroneous sent it to the wrong forwarding address so I never had a chance to dispute it. 



On XX/XX/2024 - XXXX who identifies himself as supervisor refused to send me documents via email which had been done before but instead stated since I keep calling he now needs to dispute and validate the debt even though I never requested this I only ask for the original collection letter to be sent to me via email and which is a right of mine he again refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Specific Issues with the Investigation : Phone Number Discrepancy : The investigation stated that the account in question was created and activated using a phone number ending in XXXX back in XX/XX/year>. However, I have never used or owned a phone number ending in XXXX at any point. 

Date of Birth and Name Errors : The account in question contains a date of birth and name that do not match mine. These errors further indicate that this account does not belong to me and has been inaccurately associated with my identity. 

Account Ownership : I have no knowledge of or connection to this account. It was neither created nor authorized by me, and the presence of this erroneous information on my credit file is both harmful and unwarranted. 

Supporting Evidence : To aid in resolving this issue, I am providing the following documents : A copy of my government-issued identification ( drivers license or passport ). 
A utility bill or other documentation to confirm my contact details and address. 
I respectfully request that this inaccurate account be removed from my credit file immediately. Furthermore, I ask that all communications regarding the resolution of this matter be shared with me promptly. 

Legal Compliance : As a consumer, I rely on the protections provided under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting not only violates my rights under the FCRA but also has potential implications for fraud or identity theft. I trust that this matter will be addressed thoroughly and promptly to prevent any further damage to my creditworthiness.
Product: Debt collection

I do not have a contract with Ad Astra Recovery Services. They are reporting a fraudulent collections account to all three credit bureaus. This is affecting my creditworthiness negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but XXXX says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Unauthorized Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} XXXX  - XXXX - XX/XX/XXXX - {$940.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$690.00} Unauthorized Inquiries : 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
Product: Checking or savings account

XX/XX/2024 I deposited a check for {$12000.00} into my checking account in order to pay off a car loan we had with USAA. 

XX/XX/2024 I checked my account to ensure check had posted and confirmed I had {$18000.00} in my checking account ( {$12000.00} from check deposit and {$6300.00} of my own money ). I used {$12000.00} to pay off an auto loan from USAA that I owed on thereby paying off loan in full. 

XX/XX/2024 I checked my account only to discover that I was over drawn by {$6200.00}. I called USAA and they stated the check I deposited to pay of the loan despite the fact that it had posted to my account had actually bounced and instead of contacting me they withdrew all my money in my checking account leaving with a negative balance of - {$6200.00}. I never authorized USAA to withdraw money from my account and would never have paid off a loan with money I didnt have. 
Spoke with USAA representatives multiple times over the next week and could never get an explanation as to why they withdrew money without my authorization. This is still not resolved and I still carry a negative balance. USAA has been absolutely terrible to deal with and provides no support at all.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 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. 
Delete this at once! '' XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$1000.00}