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

I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my apple credit card, I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of apple credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you take the late payment off my apple credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. Thank you for your consideration, and I hope you'll approve my request
Product: Credit reporting 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 : XXXX XXXX  # XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX will not delete it off my record
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CALLED IN TO COMPANY TO EXPLAIN THE DEBT WAS FALSE AND I WAS TRYING TO SUE THE COMPANY TO GET THE DOCUMENTS NEEDED TO CLEAR THE DEBT DEBT COLLECTOR SAID HE DIDINT BELIVE IT AND I HAD TO PAY THE DEBT ALSO PUT IN NOTES FOR OTHER EMPLOYEES TO SEE AND TOLD THEM TO NOT HELP WITH PAYMENT PLAN BECAUSE HE IS ON THE CONSUMER SIDE. 

CALLED TODAY TO START PAYMENT PLAN GOT HUNG UP ON SMART REMARKS AND WAS TOLD I WOULD NOT GET A RECEIPT FOR MY PAYMENT PLAN BECAUSE ITS A SMALL AMOUNT AND I SHOULD SPEND ALL MY TAX MONEY AND LIFE SAVINGS ON THE DEBT XXXX XXXX IS THE MANAGER AND VERY RUDE AND DISRESEPCTFUL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, 2022 removed off of my Equifax report for 5 months. There is no way to contact the merchant. No contact info. This is not me! Was fraud. I need these removed please! 
XXXX. My ONLY address is XXXX XXXX XXXX XXXX XXXX, XXXX, Ma XXXX. Please remove any other addresses. I have been trying for 5 months. 
XXXX. My name is ONLY XXXX XXXX XXXX. Please drop any other aliases. 
XXXX. Please remove XXXX. It has been paid since XXXX XXXX, 2022. 
XXXX. Please REMOVE XXXX XXXX XXXX  from my HARD INQUIRIES. THIS IS A FRAUD. I DID NOT AUTHORIZE THIS application and it took XXXX points from my hard earned XXXX! 
I reached out to XXXX XXXX XXXX, who wrote me a closure letter but XXXX wouldnt verify it. 
I have lost 3 apartments! I am told an answer from the Federal Trade Commission will count as proof enough to drop XXXX XXXX XXXX  from my XXXX report. I just filed one with the FTC last week.

Can I please get an email so I can begin this arduous process? 
The ONLY CARDS THAT SHOULD BE ON MY HARD INQUIRIES ARE XXXX  AND XXXX  XXXX. 
I HAVE EXCELLENT CREDIT HISTORY! 

HOW LONG BEFORE I GET AN ANSWER?! I AM UNABLE TO MOVE FORWARD IF THESE ARE NOT RECTIFIED!
Product: Credit reporting 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 : XXXX XXXX and number XXXX Account name : XXXX XXXX  and number XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My credit report is some how littered with allot of different addresses that I don't live at nor even heard of. My name is on my credit report spelled in several different ways that I have never used nor went by for any reason or occasion. There are bundles of phone numbers that are also connected to my credit report that have absolutely no relation to myself what-so-ever. There is also a few places of employment that are on my credit report in which I have never been employed. 
All of this additional information that is on my credit report causes concern for creditors that I request funds from. It makes it look as if multiple people are just randomly applying for credit with my name, but there are NO Fraudulent accounts on any of my credit reports. I am trying to buy a very nice home for my family and little things like this are potentially preventing myself from such purchases.
Product: Credit card

On XX/XX/XXXX I made a payment in the amount of {$490.00} from my checking account 's bill pay feature to my capital one credit card. On XXXX, XX/XX/XXXX I called customer service to inquire on why the available credit on my credit card has not been released and was informed that the available credit would not be released until XX/XX/year>. This notice was not given ahead of time and I am now unable to pay for my 16 month old necessities as needed.
Product: Checking or savings account

Ive banked with XXXX since XX/XX/2011 and they always charge {$12.00} for overdraft protection. Which is basically transferring money from one of my savings accounts to cover for shortages on my checking account. I made a mobile deposit on XX/XX/XXXX which got credited on XX/XX/XXXX, the same day a couple other payments got debited. And yet even though these transactions were supposed to leave with a balance of well over {$300.00}, I still got charged a fee for overdraft protection on XX/XX/XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recent credit report ( paid for by me ) rec 'd from XXXX  on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES , are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$920.00}
Product: Mortgage

New Rez/Shellpoint Servicing no help fixing their own mistakes. I haven't made a late payment in XXXX  years or more. They changed their servicing company entities, but still to XXXX under their umbrella. I came back from a 1 month vacation to foreclosure threats because the servicing company has changed. I recieved a letter before I left that no actions were needed by me. I called that very day of my return and was told if I made a double payment that day it wouldn't not be reported to the credit bureaus. Then I looked into it and the previous servicing company had refunded my 1 month payment to me instead of forwarding it to the new servicer. I was told after spending hours and XXXX phone calls to them of course with long hold times that the employee I spoke to told me the wrong thing, and nothing can be done about it, my credit is affected, oh well, that is just the way it is. They acknowledged that they gave me incorrect information on the phone. In addition, I keep telling them the correct mailing address and they send information to the wrong mailing address for me. What do I get for my hours on the phone, and letters I have written? A credit drop of XXXX points. I waited for a response for 2 months for them to tell me, that it's my problem they make mistakes. Again, that letter was sent to the wrong address, I haven't received it, but they emailed it to me per my request when I called today XX/XX/24 at XXXX XXXX. I advise everyone not to take out a loan if it is serviced by this company.
Product: Credit card or prepaid card

On XX/XX/2022 i refund was issued to my card from XXXX supermarket for {$750.00} for a money order that was cancel. I was told by coinbase that there is a reverse pending on my account and I will recieve my money within 10 days. After 11 I days i called coinbase Iand I was told that the refund is showing completed on my account but they don't know why its not posted to my account and they have to esculated to a specialist. Since then I have call everyday and they refuse to give me my money. I have send myltiply email and no one respond to them. Here are the case number open for the ticket created : XXXX, XXXX, XXXX, XXXX, XXXX. No one can give me a explanation as to why I don't get my refund. I went to XXXX and they show me a print out that the refund was approved and completed, yet, coinbase don't want to give me my money. I asked then to disputed the transaction that I havent received my refund and they say I can't because the refund is showing it is completed and they received it but don't know why is not showing on my account. Please help me am stress and depress and going crazy.
Product: Checking or savings account

I have no knowledge why Im not able to open a new account with a new bank. I was just told from Truist about not being able to open an account with them. In do so to reach out to this site to investigate why. I have no current knowledge of why is this the case.
Product: Mortgage

I had a mortgage financed through XXXX Mortgage XXXX XXXX XXXX, IL that served me very well. Recently XXXX sold my mortgage to Specialized Loan Servicing LLC of XXXX, CO. I was notified of this change from XXXX on XX/XX/2022. XXXX even provided an address for Specialized Loan to send the XX/XX/2022 payment. I mailed that XXXX payment but have yet to be contacted via phone, mail, or email by Specialized Loan. As per the periodic statement rule of the reforms passed in the XXXX, I am entitled to a monthly statement from my new service provider, yet I have not received XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid off the remainder of my debt and received a letter from the company stating they would accurately report and remove the debt off of my credit report. I have contacted experian numerous times and also the debt collector. No one is taking it off my report even though I paid and got a letter stating promise to do it.
Product: Credit card or prepaid card

Someone fraudulently charged on my credit card so I reported it and credit card company has denied the claim. I have spent hours on the phone with the company been transferred many times, been given wrong phone numbers to call and had to send a picture of my id.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So I got charge for a service at a medical center XXXX XXXX occupation in Alabama however I never proceeded with the service I explain to the bank that I needed the service within a certain timeframe in and they offered to have it completed or given me a letter signed by the management to present to XXXX however they declined it after they had done my XXXX XXXX and since they couldnt do that it would have not work for me as I had 13 days to present this information to XXXX. So I filed a claim with my bank Wells Fargo they provided temporary credit and today they did a chargeback on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.

Ally Auto reported to the credit bureaus late/non payment, which is a violation of the U.S. code XXXX 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the XXXX CREDIT REPORT. Im commanding it to be removed asap. 
Ally Auto applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.
Product: Credit reporting 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 : sync care credit # 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

I have contacted Midland Credit Management no less than 3 times requesting validation of the collection they are reporting on my credit file. I have requested the following from Midland Credit Management : 1. Copy of the original contract baring my signature that I actually signed on for this debt. 2. Payment history from the original creditor that shows my payment history. 3. Name and address of the original creditor and last Proof that Midland Credit Management either owns or have been assigned this debt to collect. Midland Credit Management has failed to provide this information and continues to report inaccurate information on my credit file.