23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, XXXX charged me {$93.00} for a ride using my XXXX ( XXXX ). Later, on XX/XX/year>, XXXX charged me again for the same ride on Apple Pay ( XXXX XXXX ) resulting in a duplicate charge for the same service.


I filed a dispute with Goldman Sachs ( Apple Card issuer ) regarding the duplicate charge on Apple Pay, providing clear documentation proving the double charge. Despite this, Goldman Sachs denied my dispute three separate times without conducting any investigation. They failed to contact XXXX to verify the transactions and closed the dispute without providing any justification or supporting documentation.

This violates the Fair Credit Billing Act ( FCBA ), which requires credit card issuers to conduct a reasonable investigation before resolving a dispute.

Supporting Document Attached. 

XXXX chargeback resolution letter ( showing XXXX won the dispute ) Duplicate charges from XXXX & Apple Pay XXXX email responses confirming no refund was issued Outcome of your Apple Card transaction dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called Amex and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 i sent a dispute letters concerning items that were negatively reporting on my credit report! These accounts do not belong to me and i asked for them to be removed immediately! A consumer reporting company may not provide a consumer report under FCRA section 15 USC1681 ( b ) under permissible purposes!
Product: Credit card or prepaid card

Direct Express ( Comerica Bank ) is causing me severe hardship. I have NOT been able access my social security benefits for 6 months because my prepaid card is unusable. 

I have been a cardholder for 8 years. Recently, the company requested ID verification AND I have submitted several documents that prove my identity. However, the issue is yet to be resolved. All documents that I submitted were certified by the XXXX XXXX, XXXX. 

Direct Express company representative ; XXXX XXXX XXXX XXXX XXXX ) was supposed to call me at XXXX EST today but she did not call until over an hour later. Unfortunately, I was unavailable to receive her call when she finally called. Subsequently, I sent her 3 emails but she has ignored them. I am unable to reach her by phone because her contact phone number ( XXXX ) is NOT functional. 

I and many senior citizens rely on our social security benefits for basic needs such as food and medication. Please can you assist me in resolving this matter?
Product: Student loan

Navient took over my student loan from XX/XX/XXXX in XX/XX/XXXX right in the middle of a lawsuit i was a third party beneficiary in.

We won that lawsuit and settled out of court. It is a conflict of my best interest to have them mess my life up any more with their unscrupulous business practices.

I have requested in writing a copy of chain of title and they are up to their own XXXX ways again and not responding to my letters and request for proof.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act, PORTFOLIO RECOVERY is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

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

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Product: Student loan

I am currently a XXXX student at The XXXX University XXXX. After losing my job in XXXX, I defaulted on XXXX private student loans because neither of the lenders would work out any type of arrangement with me in the way that my federal loan lender did. ( The loans pertained to my previous education at the University XXXX and the University XXXX. ) After enrolling in the XXXX program, I began working with our student XXXX office on campus to see if they could help me settle this private student debt because it had ruined my formerly XXXX credit. The private loans had been sold a few times, and I was having trouble even tracking down the owner of the loans. With a lot of assistance of a lawyer at XXXX State, we were able to track down and settle XXXX the loans in XXXX XXXX even though the lenders never did produce proof of debt. XXXX Student Loans, one original lender, was still holding one of the loans and dutifully updated my credit report once the loan was settled. However, the other loan had changed hands many times from XXXX to XXXX ( and perhaps other companies XXXX and was finally settled with Weltman, Weinberg XXXX & Reis, a law firm XXXX. My lawyer specifically requested proof from Weltman of the firm 's authority to settle the debt in full as well as full account details, but Weltman never did provide full account details. Weltman failed to update my credit reports, so my lawyer contacted the firm again in writing in XXXX XXXX to prompt them to update my credit report. I have just recently checked my credit reports again, and I have found that XXXX is showing a credit item owed not only to Weltman but also to XXXX. XXXX This is in fact the same loan, as verified by my lawyer and by me. ) XXXX shows XXXX accounts in collection XXXX WeltmanXXXX and XXXX XXXX XXXX XXXX, but here again, this is all the same exact loan. And, as I explained above, I settled this loan with Weltman in XXXX XXXX. As best I can tell, my XXXX credit report does not have a problem. I have notified the lawyer at XXXX State about this ongoing problem, but she has not had any luck resolving the issue as yet. It 's maddening how difficult it can be not only to track down the loans but to settle them and then move ahead with rebuilding one 's finances, and we students XXXX or former students ) are left completely powerless in this whole process. There is no way I would have been able to get anywhere close to settling these loans without a lawyer 's assistance, and even with a lawyer, I 'm still unable to get Weltman to update my credit reports accordingly. Weltman and others were more than happy to constantly report negative items on my credit reports and call me incessantly at all hours for years on end - and even through terrible times like the prolonged illness and death of my mother - but then they refused to do their part and take the one final step to update my credit report once I have settled the loan with them. There appears to be very little accountability for the loan holders.
Product: Student loan

I graduated from XXXX XXXX  on XX/XX/2022. I have XXXX XXXX and Direct Unsubsidized federal loans. In XXXX, I contacted my servicer, EdFinancial to let them know that I had graduated, and asked that they update their records. 

On XX/XX/2022, I submitted a repayment application, requesting an income-driven repayment ( IDR ) plan and indicated that I wanted to start making payments under the plan immediately. My XXXX XXXX loans were placed in an IDR, but not my Direct Unsubsidized loans. 

I contacted EdFinancial by phone and they told me to submit another repayment application, which I did, on XX/XX/2022. On XX/XX/XXXX, I emailed EdFinancial to ask about the status of the application. On XX/XX/XXXX, they replied and said that it would take 7-10 business days to be processed. 

On XX/XX/2022, I submitted another IDR request. I then emailed EdFinancial again on XX/XX/2022, letting them know that if they were unable to resolve this issue for me in a timely manner, that I would be filing a complaint with CFPB. I attached all three IDR requests. I have not received a response to that email.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report # XXXX I discovered some inaccurate in my personal information.this information including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I have never lived at the listed address this information from my credit report
Product: Checking or savings account

incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly " frozen '' if Wells Fargo suspected a single deposit was fraudulent. 

Multiple times my account was charged unjustifiable fees which is why I walked away from the account
Product: Debt collection

Did you buy this alleged debt? You have no proof that I indeed went to see this doctor and/ or was seen by this doctor. ARS is making an assumption that this debt is mines. I consumer XXXX XXXX did not receive any validation of this debt. This is a violation according to 15 USC 1692G. Consumers indeed are the only person that can indeed validate a debt. You as a debt collector can not. Many of debt collectors get sued for this very reason because unfortunately, you assume liability the moment that you buy this debt or communicate with the alleged consumer about this alleged debt. This is a violated to the HOSPITAL AND ALL MEDICAL CLINIC. I have the right to privacy as a consumer. Medical debt is back by protection and privacy. 




Company 's Response Thank you for taking the time to write us. We are a third-party debt collector. Your accounts have been placed with us for collection by medical professionals. The services received were XXXX  services. Per the XXXX  records, these were rendered per your initiation in urgent or emergent circumstances. If you need your medical record or consent to treatment from the time of service those records can be obtained by contacting the facility directly. Our records show we sent debt validation to you in XX/XX/2022 which confirms the date on which physicians provided services, original creditor, current balance, and language on how to dispute the debt. If you wish to obtain an itemized statement for your records, please submit your request by emailing XXXX. Our reasonable investigation has confirmed the accuracy we have about your account and verification of debt will be mailed to the address on this complaint. This communication is from a debt collector. Respectfully, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXXc XXXX has violated my rights. 

15 u.s.c 1681 section 602a. States that I have the right to privacy.

15 u.s.c 1681 section 604a 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

XXXX, Experian XXXX and XXXX have not changed my XXXX XXXX. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.
Product: Debt collection

On XX/XX/XXXX I called because I was trying to pay a debt. The woman hung up after she recieved my bank information. I made several follow up calls to attempt to get a record of the recieved payment and see when the payment would be reported to the credit bureaus. I was transferred and hung up several times. I was told I'd be given a call back, which I never recieved. On XX/XX/XXXX the representative who collected my bank info called me back not to return my call but because she transposed the number! She would not answer any of my questions and had the audacity to charge me an extra fee. I told her she must of transposed the number and tried to inquire further about how I would get a copy of reciept of payment. She caught an attitude and had to " transfer '' me at which point I was put on hold for 15 mins and someone from compliance answered. I submitted a complaint on the service I was recieved, which was completely ignored. She said she would review the call to see if I what I said was what was written and call me back on XX/XX/XXXX. It is now XX/XX/XXXX and no one has called me nor amI able to get a hold of the person I initially spoke to in " compliance, '' completely unprofessionally and rude company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigation did not fix error
Product: Vehicle loan or lease

On XX/XX/year> I purchased a used car that is financed through Credit Acceptance ( dealership is XXXX  XXXX XXXX ). The dealer was adamant that I needed to purchase the extended warranty ( service contract ) along with Gap insurance totaling {$4500.00} for Credit Acceptance to finalize deal. The very next day I spoke with Credit Acceptance who informed that I did not need to purchase those added products and sent me copies of both contracts since the dealership failed to do so because it is clearly in bold letters on contracts that I did not need to purchase. I requested to cancel the extended warranty which credit acceptance did but it will fall off of the back of the loan, therefore wont change payment amount or etc and has not changed the loan amount after deducting warranty {$2900.00}. The interest rate is 23.9 % which violates Loan interest protection law by charging usurious interest rates to Pennsylvanians. They also increased price of vehicle at dealership to pass along fees to Credit Acceptance, XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

TransUnion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. 

Accounts : XXXX  XXXX, Credit Card ( XXXX ) XXXX XXXX, Credit Card ( XXXX ) XXXX XXXX, Credit Card ( XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

since 2004 i have gotten several loans from heights finance corporation at the XXXX office and the XXXX office. throughout the loan they would call and say would you like to pay interest only on the loan. i did this dozens of times over the course of the 20 years. i found out through Consumer XXXXinancial Protection Bureau that this is called churning and cfpb has sues several companies for this. i would like cfpb to proceed to sue heights finance of XXXX and XXXX for this type of churning they did on me. CURRENT ACCOUNT NUMBER XXXX
Product: Mortgage

My husband and I requested a loan modification with our Mortgage Lender ( Bank of America ) in XXXX for XXXX and XXXX loan. In XXXX Bank of America finally approved our Loan Modification request. Recently, I have been getting calls from a XXXX XXXX company stating they our Mortgage Lender to our home. We have been making out payments to Bank of America.
Product: Checking or savings account

XX/XX/XXXX I did not have my phone. It was stolen. I got it back and saw someone transferred money from my cashapp account. I have in total XXXX transactions that I disputed. XXXX out of the XXXX were refunded. For some reason cashapp refused to refund the second stolen payment despite already refunding the exact identical payment made an hour prior to it. And the XXXX made after it. I disputed this payment 3 times and each time I requested info. Cashapp lied about claim numbers being wrong even though the claim number given was received by from a csr agent who I asked for it from. And then I spoke with a manager going over the reason for the transaction. They told me the second time I disputed I answered a question wrong went back and fixed it and because of that they denied my claim. Well that doesn't answer why they denied it the first time. I wake up to another denial and my account closed. I am done with cashapp. But they don't get to determine that despite my phone being stolen along with money, that because of a question I corrected on a second dispute filing that I am now responsible for the theft of my money when XXXX other times they agreed my money should be returned. And closing out my account because they denied my claim is cowardice. Cashapp is clearly at fault and they should do better about protecting their customers from fraud. They have no legitimate reason for denying my claim when they already have a history of returning the other stolen funds while my phone was stolen. And thinking that closing out my account will prevent me from moving forward on this denied dispute was a huge mistake on their part. I will take this as far as I have to to prove that cashapp has been operating under practices that support scamners and thieves and not the consumers that use their product. I won't move forward with cashapp ever again but I want my XXXX dollars back that was stolen from me. And cashapp has an obligation to refund it based off the fact they agreed my phone was stolen and refunded XXXX of the XXXX payments the scammer stole.