23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> XXXX I suddenly saw a charge for XXXX dollars on my Apple credit card to an unknown merchant called XXXX XXXX even though I had made no purchases that morning. At XXXX I initiated a dispute on the transaction and spoke over XXXX with Apple Card support. They asked me several questions 1.Are you in possession of your card and devices? 2.Have you given your PIN or Card Number to anyone else to use? 3.Do you recognize the merchant? Have you made business with them in the past? 4.Have you experienced fraud in the past with this merchant? 5.Is there any other transaction that you would like to dispute today? I answered : 1. Yes 2. I don't believe so 3.Not at all 4. Never heard of them 5. No A fraud claim was submitted. They instructed me to replace my card number as well as my Apple Pay login which I did. I got an email on XX/XX/year> that the transaction was deemed legitimate citing " Based on available information, we determined that the transaction was authorized. '' I initated another support request. They put me through the same dispute process once again but said nothing will likely change. 

On XX/XX/XXXX I received another message saying my dispute was in favor of the fraudulent merchant. I initiated another request with Apple/Goldman Sachs .

I spoke to an Apple Card Supervisor. They asked if I wanted to reassert and if I have any evidence about this. 

I asked them, what kind of evidence could I have? I woke up and say a sudden charge on my account. I asked who the merchant was and they provided an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. I looked up the address and pointed out it was a residential address in a place I have never been near. 

I pointed out why a legitimate transaction would be in the exact amount of XXXX dollars. 

I pointed out why I would suddenly spend XXXX dollars on clothing on a card that has a credit limit of XXXX dollars when my activity on the card is extremely rare. My balance history for the last few months is usually less than XXXX dollars going up to XXXX. The Supervisor was very helpful. Thank you to her. But I need this charge removed.
Product: Debt collection

Portfolio Recovery Is contacting me repeatedly about a debt that is not mine. They repeatedly contact me regarding my sister. I have stated multiple times I do not have contact with her. They threaten me with legal action and they tell me if I don't tell them where she is or give them a number to contact her at they will take me to court for the money that she owes. I get phone calls daily from multiple numbers.

They have now started saying that I owe money. I have nothing on my credit report that states I have anything in collections. I have one student loan and one credit card with a balance. No other accounts. I have told them I do not have nor have I ever had a credit card with the credit card company they state, ( I know for a fact my sister has ) and they won't stop harassing me daily calls from multiple numbers. I block one number and a new one calls. I have considered changing my phone number but I've had this number since XX/XX/XXXXand I shouldn't have to change my number because of a predatory collection agency refusing to listen to my words
Product: Credit reporting or other personal consumer reports

I took out a loan in XXXXXXXX XXXX XXXX, The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Mortgage

I signed disclosures and locked in a 60 day rate with Bank of the West on XX/XX/2017. I received a revised loan estimate on XX/XX/2017 saying " pricing changes upon underwriter review - non QM loan '' which added {$3800.00} or .5 % discount points to our loan. However, the sales price has been the same since I opened escrow on XX/XX/2017. Prior to this incident, I kept receiving disclosures in the mail with high discount points which did n't match the advertised rates for the day. I also wondered why other banks were able to do edisclosures but this bank was the only one that sent disclosures in the mail. When I raised the issue with my loan officer XXXX, he said the rates were off in their system and that he had no idea what was going on. I was confused as to how the rates our loan officer was able to lock were higher and had much higher discount points than what was published on Bank of the West 's website and on the Bank of the West rate watch daily emails. I told him I am adamant about not paying any discount points. I asked that he send a screenshot before locking in our rate. On XX/XX/2017 that 's when I locked in our 3.375 % XX/XX/XXXX ARM rate with XXXX discount points and a {$790.00} admin fee. Also, their appraisals are {$850.00} dollars which is $ XXXX {$400.00} higher than most banks. The loan processor XXXX sent an email on XX/XX/2017 saying that my loan was approved by the underwriter and that I would get the approval in the mail. Instead, I received a revised disclosure with {$3800.00} in fees for discount points.
Product: Credit reporting 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Product: Mortgage

We began our short sale paperwork with Freedom Mortgage in XXXX of 2015. After being required to submit paperwork multiple times, over a span of 5 months, because Freedom employees have repeatedly lost documents, we were finally notified that our application was submitted to underwriters on XXXX XXXX 2015. The letter stated that we would recieve a final decision within 30 days. Our realtor reached out to Freedom via phone today ( XX/XX/2015 ) and was informed there was not yet a decision. Not only has it been well over their 30 day allotment, this is only one of a long list of issues we have been forced to deal with over the past 7 months. I had to put in complaints with both the XXXX and the NC Banking Commission in order to get our application submitted. Yet again Freedom Mortgage is failing to do their job in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve the wrong and incorrect information on my credit report ; I call the companies and credit agency fraud identity theft departments for TransUnion, XXXX, and XXXX credit agencys to dispute and remove hard inquiries do to identify. Filed claim with FTC and submitted dispute to all three credit bureau only one has process my dispute which is XXXX the other two showing investigating complete when no investigation was done and nothing was removed or resolved from TransUnion or XXXX. The following inquiries are showing on my credit report do to identify theft need to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an XXXX account, as reported to the major credit reporting agencies ( including but not limited to : XXXX, XXXX, XXXX, and Innovis ). 

The payment history provided by the credit reporting agencies shows XXXX repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, XXXX 's response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute. 

XXXX acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and Discovers negligent actions have defamed my credit reputation. 

While XXXX claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors. 

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of XXXX, XXXX, XXXX, XXXX, Innovis, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my social security and requested a credit check in my name to XXXX XXXX. The inquiry is now on my credit report. XXXX XXXX did not approve it, but it is still on my report.
Product: Credit reporting or other personal consumer reports

They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federal XXXX XXXX XXXX. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have XXXX hours to remove it. I want to be notified when its done..
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

Under 15 U.S. Code 1692c - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. 
XXXX PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/2022, they have tried to charge my debit card 21 times. They have sent txt and call to family members letting them know they are reaching looking for me because of a debt. Unknown family members do not need to know. They call me about 10 times a day after i told them i can no longer pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, XXXX, XXXX, & Transunion have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Debt collection

XX/XX/2021 I.C. Systems filed XXXX collections to XXXX Acct # XXXX for {$140.00} Acct # XXXX for {$97.00} Acct # XXXX for {$240.00} None of these were mine. I call I.C. Systems, furnished the account # and explained these were not mine. I. C. Systems went on to get my information. They have no record of me in there system. Rather than correct the problem with the credit bureau ( XXXX ) they refused to speak with me any further.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is so distressful to know that my credit report has inaccurate information, I'm working hard and earning my paycheck the honest way yet I see a lot of false items being reported on my credit report. It has massively impacted my life and my credit score negatively, living in a crisis and it's hard to get by during emergencies when my credit applications can't get approved because of these.
Product: Debt collection

I tried calling company that added information on my credit report after I had already submitted other credit protection on my credit report then all of a sudden this company that had already tried submitting other negative accounts prior submitted now this one from unknown company. I have been a victim of identity theft I have done everything in my power to stop the negative accounts and some how I keep getting targeted, especially by agency like these. 

I need this Monterrey collection to stop trying to collect or report debt that is fraud and it is not my debt
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.

Account name / ADDRESS | DATE / ACC. NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX has 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: Debt collection

THIS COLLECTION IS A RESULT OF IDENTIFY THEFT OF ALL MY PERSONAL INFORMATION.
Product: Debt collection

I was checking my credit report recently and noticed inaccurate information pertaining to my credit report. It's showing a collection for XXXX XXXX  in the amount of a {$160.00} on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank indicated that they did not have any negative reporting on either of my credit cards. However, negative reporting still exists on my credit report. I do not know how to get this removed. They lowered my credit limit on both cards even though payments were always prompt and usually more than the minimum and sometimes paid twice in a month. Then, they would tell me I went over my credit limit when I had no idea it was lowered.