23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXXDEPT OF EDXXXX XXXX Balance : {$18000.00} -DEPT OF ED/XXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXXXXXX Balance : {$7700.00} -DEPT OF ED/XXXX XXXX Balance : {$5400.00} -DEPT OF ED/XXXX XXXX Balance : {$4200.00} -DEPT OF ED/XXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX  XXXX Balance : {$1900.00} -DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I am the co-signer for this account. The primary is in XXXX XXXX XXXX  XXXX. Due to this situation I contacted care credit told them about the primary and was told that I could have access to the account with the account number and register for online access. My information is linked due to being the co-signer that incudes my social security number. Due to the primary not paying, my credit has been negatively impacted already. I have tried to do the right thing and pay off a debt that is not mine. I called again and was told that the email just needed to be reset and I would have access to the online account. This did not work. I have been told multiple times at this point that I would have access to the account in order to set up payments. After talking to a supervisor I was told that I was misinformed and the primary is the only person who has access to the account despite me being the co-signer and my social and credit being impacted. As a victim of XXXX  XXXX, being the co-signer, trying to do the right thing and pay for debt that is not mine, and being misinformed, this situation is absolutely mind blowing and unacceptable. To add insult to injury the supervisor stated I could still make payments over the phone. This is not a way to communicate or handle situations like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I, XXXX XXXX sent a FTC report letter regarding inaccurate and unknown things on my credit report. 

I AM A VICTIM OF IDENTITY THIEFT. POLICE REPORT and COURT CASE ATTACHED I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that 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 by such agency. It has been well over 4 days, so they should be block and deleted promptly. I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the XXXX  data breach and my have gotten into the hands of the wrong person. 

I, XXXX XXXX give you FULL PERMISSION to move forward with this investigation. I have attached my driver license and social security number to let you know this is in fact XXXX XXXX giving you permission.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I did not apply for this payday loan in the amount of {$780.00}. There was no documentation or communication sent to me stating that I owed this debt. I have requested validation of this debt several times. This is invalid information that has been distributed to the 3 major Credit Bureau 's ( XXXX, XXXX, and XXXX  ), this may be considered fraud under Federal and State Laws. I am requesting validation that the debt is mine.
Product: Debt collection

My car was involved in an accident on XX/XX/2018. My auto finance company was notified on XX/XX/2018 that my vehicle was a total loss and they told me that they were going to start processing my claim with the gap insurance since it was with them. I received notification on XX/XX/2018 that my account was past due. I then called XXXX to check on the status of the GAP insurance claim. They told me that they had not started the process of filing the claim. I asked why it had not been started since it was almost a month since they were notified of the total loss but no one could answer that for me. I then spoke with a person in the insurance department who started the claim. I was notified on XX/XX/2018 that the Gap policy through XXXX did not receive the proper documentation from XXXX and that they had not been able to contact the insurance rep from XXXX. I called for a week until i was able to reach another person i the insurance department and she resent the documents to XXXX. I continued to receive collection calls and the insurance told me that my account was supposed to be routed to their department and not collections. The gap policy paid out but they only paid a partial amount based on what XXXX  had told them what was left on my loan. XXXX  told the Gap coverage company XXXX that I had an outstanding balance of {$19000.00}, which was incorrect. My insurance company paid {$13000.00}. XXXX   reported to XXXX that they had received an additional {$1100.00} from warranty refunds which was also incorrect. XXXX error caused my Gap insurance policy to only pay out {$4400.00} leaving me with about {$3000.00} left to pay on my loan. I tried to make a payment on the account until the account was corrected but XXXX refused the payment since it was not the full past due amount. Since then I have received numerous calls at all times of the day from multiple different phone numbers from XXXX  collections. The insurance department continues to say that Im not supposed to receive collections calls but my account keeps getting routed back to collections. I have had collectors be very rude and refuse to allow me to speak to a manager even though the notes indicate what is going on with my account. This has destroyed my credit .They have also been calling my daughter who is a reference and is not on the loan.
Product: Credit card

XXXX Certainly! Here 's a more convincing version of your case for the CFPB : I am submitting a complaint regarding a dispute filed with Apple Card concerning a transaction with XXXX. I purchased a machine from XXXX, but the software consistently malfunctions despite numerous attempts to resolve the issue with them. Apple Card 's decision to side with XXXX was unjust, as they claimed I had agreed to the merchant 's unspecified terms and conditions. However, Apple 's decision lacked clarity and failed to specify which terms and conditions I supposedly agreed to, which were not adequately disclosed at the time of purchase. As a result, I am left with a defective machine that XXXX refuses to support, despite their advertised warranty of up to 2 years on their website. 

This situation has caused significant financial and operational disruption, and I believe Apple Card 's decision overlooks my rights as a consumer under fair dispute resolution practices. I have diligently attempted to resolve this matter directly with both Apple Card and XXXX to no avail, and I now seek the CFPB 's assistance in achieving a fair resolution to this dispute. 

Thank you for your attention to this matter. I am prepared to provide any necessary documentation and details to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX. Date of Inquiry : XX/XX/2024. 
- Company : XXXX XXXX. Date of Inquiry : XX/XX/2024. 
- Company XXXX XXXX Date of Inquiry : XX/XX/2024. 
- Company : XXXX XXXX. Date of Inquiry : XX/XX/2024. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report. 

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being. 

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Automotive credit XXXX Account reporting references late payment. Payments are on auto pay and they take the full amount out the XXXX of each month. However, for XXXX, they referencing {$43.00} still owed. Attached documents showing the month of XXXX XXXX and XXXX showing the full amount as agreed-upon taken out of my bank account and paid Via auto pay. The XX/XX/XXXX payment if it was not paid would only be a week and a half late at this point not even XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes and proof that someone has been using my personal information to obtain goods and other services in my name without my consent and Ive reached out to each creditors and no resolution of any on all my complaints. There are credit cards on my accounts and other items that are not mine.
Product: Credit card

2 transaction took place on Chase Credit card in the amount of {$320.00}. Purchase was sent back to sender after XXXX  XXXX failed to deliver item due to weight. # XXXX 1st transactions refunded on XXXX XXXX and 2nd transaction action charged and never refunded on XX/XX/2022 # XXXX for {$320.00} never refunded credit card closed account after Chase XXXX out card after lump sum payment of {$2800.00}, even after proof of fraud rejected by Chase Interest for Cash advances paid in 24 hrs still being added to close account. Several payments and refunds has been stolen. Store receipts reflects total, Chase adds extra change to purchases reported for an XXXX XXXX purchase refunded for a never received funds after order was shipped for out of stock goods.
Product: Credit card or prepaid card

In XX/XX/2023 Citibank issued me a card and I called to decline the offer and asked that my fee be returned as I didnt need the card. I had a XXXX balance in my account. I saw suspicious charges and reported them immediately. XXXX XXXX is the company that was charged in my account and it was from California. I live in Arizona. I told them my card had been used fraudulently and that I needed all charges to be reserved and my account closed. They assured me theyd call after investigating the issue and that they needed to cancel my current card due to the fraud and send me a new one. I told them I didnt want a new one and they said I had to keep the account open until everything was fixed. The next month on XX/XX/XXXX I made another call and was dealing with the same issue and they said the same thing but Ive had no resolution. My credit was very good. Over XXXX which as a single mom with XXXX kids in college took me a long time to get. Now all my credit numbers have dropped. I told Citibank all of this. The balance now has jumped up from supposedly XXXX to me owing XXXX on my ( XXXX statement. This cards last four numbers are XXXX. I called again in XX/XX/XXXX after receiving a 2day XXXX letter giving me payment options and telling me the purpose of the letter is to collect a debit. The calls went through 4 people without any help at all. It ended up with a supervisor who sounded underwater and would not fix her problem or call back. That was after an hour on the phone after I worked 10 hours. Im now beyond frustrated and need help with this matter.
Product: Bank account or service

i am trying to get my bank 'green ' in NOT getting notifications by snail mail. i want to receive notifications via email to go to my account online and logging in to get updates on when my CDs mature and when they rollover. bank states that it must be " written '' but does that necessarily mean MAILED? my bank is green in notifying me that my savings & checking statements are available, why ca n't they do the same with CDs?? why do they have to MAIL rather than have me go through my online account for the notifications?
Product: Student loan

Navient and XXXX split up my loans and encouraged forebereance when income driven repayment would have been a better suited option. Caused excessive fees and unrest, frustrating to get customer service to provide accurate information.
Product: Credit card

Every dispute since XXXX XX/XX/XXXX  that was won and closed in my favor never added a XXXX  dollar to my available spending credit. They say that it temporarily adds it once a dispute is made, which is incorrect Ive never received a temporary adjusted available credit amount, then they say the money is added to the available credit once the case is decided. Not once has my available credit changed once a case has been won in my favor. You can literally see Apple taking back their cash back amount of XXXX % of the transaction amount disputed but never add the actually won dispute money to my account : there is also instances where a dispute credit has been added and then it will say in my app/ live statement temporary dispute credit adjustment and take the temporary credit away from the balance and available spending. in addition I have been blatantly lied lto regarding the status of my account and what it being noted based on the next rep repeating what the prior supervisior did. I was told they are submitting tickets and complaints to call back the next week and there never having been a ticket or complaint filed. The exec office has been asked to look at why my account is doing this and they closed the investigation with XXXX reasoning given. Literally blank even to the internal people and Im supposed to be notified of the outcome of the investigation and never was in any mode of communication. They also dont randomly select which representative you are transferred to when they want you to give you they send you to a completely different set of supervisors. Your going to say Im crazy but this was told to me by two of their own associates. They have not refunded over XXXX dollars and going line be line its more like over XXXX dollars they have withheld from me
Product: Mortgage

On or about XX/XX/XXXX for no apparent reason and while all payments were being made from XX/XX/XXXX to XX/XX/XXXX timely and according to the terms and condition of my mortgage agreement to pay the lender {$1200.00}. On XXXX XXXX I had receive an alarming letter from LoanCare offering an immature foreclosure options suggesting homeowner assistance to a repayment plan in which I was not behind on my mortgage for the lender to make the following suggestion ; next the lender then offer me a loan modification when there was no need for a loan modification considering the fact, before covid-19 I was current. In addition to those two option they also, included short sale and settlements as an attempt to collect a debt. I find sending me a debt collection letter as in attempt to collect I debt that I do not owe to be professionally negligent in their duty in handling my mortgage account with the upmost care and attempt to be unjustly enriched when I made 13 payment from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX the account was current and the beginning of escrow balance was {$540.00}. Since XXXX the lender has : ( 1 ) Charged {$4100.00} in Attorney Advance Distribution fees ; ( 2 ) Due to Covid-19 the 14 months of non-payments amount due to LoanCare is XXXX without late fees ; Here, LoanCare has charged to my account {$25000.00} which included changing the term of the mortgage payment from {$1200.00} to {$1300.00} including additional {$7800.00} for attorney fees ; ( 3 ) Violation of FHA Annual Reduce Premium and non-attorney fees are not allowed on a non-foreclosure proceeding. I have contacted the company during by phone on XX/XX/XXXX  regarding the attorney fees being reversed and my account being corrected to show the true amount owed and I have yet to here from the lender regarding this matter.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681e ( b ) - A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the circumstance Pursuant to 15 USC 1681i ( XXXX ) - If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete the consumer reporting agency shall, ( i ) promplty delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation This said account has CHARGED OFF and i have received a XXXX from creditor and Im wanting to get this account removed from my credit report. 

THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Getting calls from Radius Global Solutions impostor about a $ XXXX student loan through XXXX XXXX that I don't have/never took out. Called Radius Global Solutions HQ in XXXX PA XXXX, they don't have record of me by SS # or phone # in their system. 

The calls are coming from XXXX, most recently today at XXXX.
Product: Debt collection

In XXXX of this year, I spoke with a representative of XXXX XXXX XXXX XXXX XXXX by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.
Product: Debt or credit management

I had services with Lexington Law from XXXX XXXX XXXX. I was made aware that there is a class action suite and we were to wait until XX/XX/XXXX before trying to contact XXXX Lexington law matter with any questions in regards to the class action to be received. I contacted Lexington Law matter on XXXX  XX/XX/XXXX, at XXXX XXXX  and was advised there was no information in their systems about me being in the class action. I know I should definitely be apart of it as I was with Lexington Law and with all those fees and no changes to my credit as the service that were to be provided. I have reached out to my bank XXXX XXXX XXXX am and was informed that they only go back 7 years otherwise I would have statements showing the payments that were deducted out of my account. I do however have emails dated back as far as XX/XX/XXXX readily and available. Please send help, I am disgusted that I would have to go as far as filling out a complaint form for something that I'm entitled too. Will someone please look into this upsetting situation for me and get back to me as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On last month I filed a dispute with Experian about an account resulting from identity theft and they said that it came back verified. On XXXX XXXX2018 I sent another request along with my Federal Trade Commission Identity Theft Report, they already have copies of my police report. Along with the FCRA section 605B which as a credit reporting agency I am sure they should be familiar with. Section 605 B of the Fair Credit Reporting Act requires them to block any information resulting from identity theft in four business days. This is the fourth business day. This is not a dispute so it should not take 30 days. I still have not heard anything back from the company and it is still showing up on my Experian account. I need this inaccurate information blocked as it is required by law.