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

XX/XX/20 - I made a purchase at a restaurant for {$200.00} with a tip of {$40.00}. I was charge {$270.00} instead. 
XX/XX/20 - I opened a dispute with Apple card support ( Goldman and Sachs ). 
XX/XX/20 - The dispute was ruled in favor of the merchant ( stating the merchant provided significant evidence proving the charge of {$270.00} was correct ). 
XX/XX/20 - I asked for the evidence that went into the decision to rule in favor of the merchant. Goldman said I would receive an email within 2 days of this evidence. 
XX/XX/20 - I contacted them again because I did not receive an email with evidence. Goldman resubmitted request and said I would receive it in 7 days. 
XX/XX/20 - Still didn't receive evidence so I contacted Goldman 's again. Manager said he would expedite this. 
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. Said they would send via mail now? 
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. This time they told me the evidence was submitted by a manager and is on the way. 
XX/XX/20 - Still didn't receive any evidence. The person I contacted seemed like he didn't know about the previous communication I had with Goldmans. 
XX/XX/20 - I called and talked to a manager who said they are sending it via mail. Still don't know why I haven't received it or why they can't send me any sort of tracking number? 
XX/XX/20 - Contacted again and Goldman 's asked me to verify my physical address as they sent it in the mail. I verified it and it matched what they had on record. 
XX/XX/20 - Contacted Goldman 's via phone to talk to a manager again. They couldn't explain to me why the evidence is not coming to me and they couldn't send it to me via email. I had to ask for a manager multiple times. Still waiting for evidence. 

Note ** I can also provide text message conversations from this dispute if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number ... 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. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Vehicle loan or lease

Avid Acceptance LLC out of Utah extended credit to purchase a car they quoted a different interest rate final I treat 4 higher I couldn't return the car. Then I lost my job they refuse to do any type of workout with me. I paid now they are incorrectly reporting XXXX payments and refuse to correct their mistake. To top it all they keep charging me late fees even when I explain that I need the due date change etc.. They won't help they just want to keep charging fees and take the car back.. Please help they are stealing people 's money
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down XXXX XXXX  on XXXX even though I never missed any payments nor I dont have any loans open.
Product: Debt collection

Number has been repeatedly calling my parents land and cell phones daily for the past 2-3 months, including today. I have never used their phone numbers on any applications, or provided them as a method of reaching me. Company is harassing them to reach me when they were never listed on any information provided in original account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( XXXX  ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted. company : Transunion. Please delete the following accounts : XXXX XXXX balance {$1400.00} XXXX XXXX CRDIT balance : {$810.00} USD XXXX XXXX : {$5300.00} USD XXXX XXXX XXXX : {$1300.00} USD XXXX XXXX Balance : {$660.00} USD XXXX : Balance {$1600.00} USD XXXX XXXX XXXX In : Balance {$410.00} USD .XXXX  : Balance {$350.00} XXXX XXXX  : Balance {$200.00} USD XX/XX/XXXX: Balance {$200.00} USD
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also state reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/2023, I sent Midland Credit Management a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$610.00}. They keep reporting it each month too as a new collection. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. Despite using Zelle numerous times and reporting discrepancies, my financial situation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently check my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account with XXXX XXXX XXXX XXXX XXXX is Not reporting accurately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is not reporting correctly, open date is NOT reporting correctly, payment status is inaccurate, and this account is NOT ACCURATE. 
This account with XXXX XXXX XXXX XXXX was modified and updated on XX/XX/XXXX. To Paid As Agreed after I disputed it with the President Office with actual creditor. This account payment status has been REINSERTED back to ( Not More Than XXXX Payments Past Due ) on XX/XX/XXXX. See Attached supporting documentations. 
I have received updated alerts indicating this reinstated payment status. Along with information regarding this account open date. This account has a inaccurate open date of XX/XX/XXXX. When in fact this account was opened on XX/XX/XXXX according to my contract with XXXX XXXX XXXX XXXX. As you will see that there is another account that XXXX XXXX XXXX XXXX is reporting with a open date of XX/XX/XXXX. I have attached the actual contract date that shows the open account date. I have attached the investigation credit report that was modified on XX/XX/XXXX. I have attached the credit alert from the account that clearly shows the wrong open date and inaccurate REINSERTED payment status. That was modified and updated 24 days prior. 
I have disputed this account for over 6 months in regards to it reporting. On a wrong open date and every time it is modified. After the investigation on XX/XX/XXXX was completed. It then took 24 days later for the negative inaccurate payment status of Not More Than XXXX Payments Past Due to again reappear. I was told by XXXX XXXX XXXX XXXX president office that XXXX, XXXX, and XXXX late payments. Would be removed, due to their system continued to run on a closed account for XXXX consecutive months. In other words, the account did close on XX/XX/XXXX. XXXX XXXX XXXX XXXX fail to close it out on that date within their system. The system continued to run payments for XXXX, XXXX, and XXXX. Acquiring 30 to 59 days of unnecessary late payments on that account. The creditor recognized that error and I was informed that it was corrected. Yet it has reappeared again after the investigation along with an account. That has a inaccurate open date that is reporting every 30 days. See supporting documentations
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

This company continues to call my place of employment after I told them my manager has requested no more phone calls be made to this number. They are also calling and not even saying the name of who they need to speak to. Some times it is a blank pause and then a hang up. There is aggressive language and behavior when calling, and I have never experienced a loan company like this. I have asked this company numerous time to stop calling and I will deal with business over the number I provided them. We are settling the debt as we speak and they are still calling. I do not want them calling my job any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account No. XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that reflect comments associated with a bankruptcy that is no longer reflected on my credit. Those comments and negative payment errors need to be removed. Experian added that information back to the status/comment section. Its incorrect/inaccurate and UNVERIFIED and these errors need to be removed immediately. The three accounts continue to removed and re-add to my report. It is false inaccurate information. This is illegal and its tiring to have to continue to call, dispute and file complaints.
Product: Mortgage

I had a horrific experience with Rocket Mortgage. I am listed on the mortgage, the note, and the deed, yet during my divorce, my ex-husbandwho was court-ordered to pay the mortgagefailed to make payments. Despite this, XXXX XXXX ignored the issue, and my phone calls to Rocket Mortgage always ended with them refusing to communicate with me. They repeatedly stated that I was not their client, refused to provide any assistance, and hung up on me. 

Although they refused to communicate with me, they foreclosed on the property, sending letters addressed to me, my ex-husband, and even to my unknown spouse. When I contacted their lawyers at XXXX XXXX XXXX, I was told they would go after me and destroy me. I have recordings of all my phone calls with Rocket Mortgage, as I always informed them of the recordings. 

I was ultimately forced to repurchase my house through a XXXX sale and pay a 6 % fee because Rocket Mortgage refused to address the situation. My family paid off the mortgage through the XXXX on XX/XX/year>. However, as of XX/XX/year>, I have yet to receive any discharge of mortgage or warrant of satisfaction. Despite calling and emailing their lawyers at XXXX XXXX XXXX XXXX XXXX, I have been completely ignored. 

I also contacted the XXXX, but they can not provide the necessary documents from Rocket Mortgage. I have received no summary of the payments I made. Furthermore, I paid for insurance for the entire year, and when I contacted Rocket Mortgage to address this, I had to make multiple calls and speak to a XXXX. Eventually, I was informed that they had no record of the mortgage being paid off. They said they would cancel the insurance but provided no clear timeline for when this would happen or how I would be reimbursed for the premiums I had already paid. They even mentioned that if any reimbursement were issued, it would go to my ex-husbanddespite the fact that he did not contribute anything toward the mortgage. 

As of today, the mortgage is still recorded against my house, even though it was paid off XXXX months ago. I have not received any documentation, refunds for the insurance, or acknowledgment of the payoff. I was forced to pay a 6 % fee on the entire mortgage and endured extreme stress due to Rocket Mortgages refusal to act responsibly. 

The way I was treated by Rocket Mortgage was appalling. Their handling of this situation was a complete failure, marked by incompetence and unacceptable behavior.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXXollectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Checking or savings account

My mother has had XXXX since XXXX. Prior to that in XXXX, both my parents gave me DPOA. To date, my mother 's health has diminished more with this diagnosis. I began paying her bills from her account at Chase in XXXX. I managed by just going to the bank and withdrawing monies to pay the bills. I have requested to be placed on the account twice because I have to file accounting with the court who appointed me guardianship annually. Recently the court granted me full guardianship and I have to supply bank statements that can be easily printed online for court purposes. I have had several court dates continued trying to get Chase to give access with legal court documents to take care of things such as court. I know how much money is in the account because I manage and pay all the bills. Chase recently sent my information to their legal department for the second time. I have legal guardianship from XXXX XXXX XXXX XXXX XXXX in Florida. I am under court deadlines and would like resolution to this problem. I am a responsible person with a perfect XXXX credit score and actually have credit cards with Chase, however they must know as children of parents with XXXX, we didn't ask for this responsibility. I had to pay an attorney to go through this process, take a class and annually will have to submit accounting documents to my attorney for my mom 's account filings. Please help the families of parents with XXXX/ health issues correct this problem. I am due back in court next week. I submitted my Legal Court Guardianship to Chase Bank on Saturday XXXX XXXX and I need assistance to have this corrected. When researching this problem, I am noticing this is a common problem with guardians and basis banks such as Chase and XXXX. My attorney stated his next step is to file a motion to compel and I would like to move forward legally as well because this has been unacceptable. Having to change banks, social security payments and all of the bills that are set up automatically would be a nightmare. I will enclose legal documents submitted to Chase who stated they will be submitting the information to their legal department. I have missed one court date due to this problem and my attorney and I will be before the judge again next week to explain why this hasn't happened yet. I am waiting patiently for Chase 's Legal department. Seems the only thing these companies adhere to is class action lawsuits.