23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint Regarding Mishandling of Dispute and Unauthorized Rebilling To Whom It May Concern, I am filing this complaint against Apple Card, issued by Goldman Sachs Bank, for their failure to properly resolve my dispute within the required timeframe and for rebilling the disputed amount without resolution. 

Details of the Complaint : XXXX. Dispute Information : Dispute Case Number : XXXX Transaction Date : XX/XX/XXXX Merchant Name : Temu.com Disputed Amount : {$18.00} XXXX. Failure to Resolve Within XXXX Days : I initiated the dispute with Apple Card for an unauthorized transaction with XXXX Despite providing the necessary information, Apple Card failed to resolve the dispute within the XXXX timeframe as required by the Fair Credit Billing Act ( XXXX ). 
XXXX. Unauthorized Rebilling : On XX/XX/XXXX, the disputed amount of {$18.00} was rebilled to my account, even though the dispute remains unresolved. This action violates consumer protection laws and disregards my rights under the XXXX. 
XXXX. Lack of Transparency : Throughout the process, I received little to no communication from Apple Card regarding the status of my dispute. Reaching out to their customer service team did not result in a satisfactory explanation or resolution. 

Impact on Me : This mishandling of my dispute has caused financial inconvenience and stress, as well as a potential impact on my credit. 

Requested Resolution : XXXX. Immediately reverse the rebilled amount of {$18.00} and remove any associated fees or interest. 
XXXX. Provide a clear and detailed explanation for the delay and mishandling of my dispute. 
XXXX. Ensure compliance with dispute resolution timelines and transparency to prevent similar issues for other customers. 

I respectfully request the CFPB and XXXX to investigate this matter and hold Goldman Sachs Bank accountable for its failure to meet regulatory requirements and provide adequate customer support. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I just got my report and I think it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything about my credit report is correct. 
Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX XXXX : Account Number : XXXX I am sending this letter in response to a letter you sent me on ( XXXX XXXX ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : 1.

State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit ire attempts to collect this debt must stop. 
United States XXXX. 
( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX are reporting a charge off account which they sold to another company but refuses to change the charge off to included in bankruptcy with XXXX balance, ihave talked to XXXX at XXXX at XXXX I have sent them several letters and faxes
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuse to comply with the FTC affidavit submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Amex and Account numbers 1. XXXX 2. XXXX Amex has re-aged this account. The current information is inaccurate and is reported as a later date from the date of first delinquency. Please delete this account immediately.
Product: Mortgage

My complaint is primarily with NationStar/Mr. Cooper Mortgage Servicer on my mortgage.  I was notified by new transferred mortgage servicer - XXXX  - that my loan was being transferred effective XX/XX/2018 onXX/XX/2018.  NationStar never sent a single notification of this servicing transfer.  Then I was notified by XXXX that the investor of my mortgage was changed from XXXX XXXX to XXXX XXXX effectiveXX/XX/2018.  (Notice was dated XX/XX/2018.)  NationStar NEVER notified me of any change to the investor of my loan, which preceded the  change in servicer, effective XX/XX/2018.  Additionally, NationStar NEVER notified me of an ARM adjustment which should have been sent the latter part of XX/XX/2018.  The new servicer does not have that document either.  NationStar should not be in the business of servicing loans if all they want is to buy and sell loans.  This was a tremendous inconvenience as I was in the  middle of a HARP refinance and now (after the fact)  I find XXXX XXXX "stepped away" as investor.  Presumably because the projected new servicer did not wish to work with or comply with XXXX XXXX regulations.   I will contact the FTC, CA Banking Regulator and anyone else necessary to rectify this non-compliance situation.  Thank you and look forward to a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of ID theft a few years back and have managed to get this fixed up with XXXX  and XXXX, however EXPERIAN refuses to delete the erroneous accounts and addresses on my reports and will not even allow me to dispute anymore! I have sent my IDS, social security card and Address verification to make sure its in accordance with the FCRA. 
There are 4 accounts that are not even mine listed as negative and 1 address I have never ever lived at. The fraudulent address is listed as - XXXX XXXX XXXX, XXXX XXXX, ri, XXXX, The 4 fraudulent accounts are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and a XXXX XXXX XXXX Account. I have disputed all of these with the proper documentation and experian is the only credit bureau not following the FCRA for me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

XXXX, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Vehicle loan or lease

I had contacted ally financial at the end of XXXX about a voluntarily repossession. I was then told not to make payments on the vehicle by the financial institution and they stated I will be have a letter being mailed to me that needs to be signed and mailed back to them. I have copies of the paper work which had false information on it saying I was asking for a voluntarily repo due to not being able to pay for the vehicle which was wrong so I attached another letter stating why I asked for a voluntarily turn in. It's now almost the middle of XXXX and they have still yet to pick up the vehicle and stated not to pay which is hurting my credit even more than just the voluntarily turn in. When I call I don't get any answers and keep getting transfered from one person to another and they still refuse to come and get the vehicle. It's very frustrating that I have to deal with this when I am the one asking for it. Due to they are charging interest at a daily rate for the Vehicle at XXXX dollars a day for my auto loan. I will also be sending this request to my local attorney Generals office due to the deceptive auto loan practice of this financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX  account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX  credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I had reached out to the XXXX numerous times since XXXX .So XXXX I followed up some unknown inquiries on my credit file as well a debt collector. I have send in my information numerous times even to the debt collector who had my name misspelled and different address some how they changed it to my information I have now. I have two police reports and identity theft report. Gave the case numbers out. Even provided proof XXXX which is XX/XX/XXXX, How come XXXX send me information but the agent indicated thats not their address any longer from a request form that they send to me. Even inquiries I have no knowledge of. ( I even have the confirmation on the for XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 2 account that are over 7 years, account needs to be deleted. the account is XXXX XXXX and XXXX XXXX. XXXX XXXX isXXXX XXXX XXXX XXXX XXXX, IL-XXXX ( XXXX ) XXXX they are lying about date of last activity, they say it takes 10 years for a credit account to be removed, this account is over 7 years, All people there ca n't talk English and know nothing about credit. This needs to stop. The people there are unknowledgeable, unwilling to help, and rude. Equifax iis very slow to act, web site is terrible. This problem should be brought to someone 's attention. Disgraceful as a CRA can get.Same problem with ed financial, this account was cancelled due to XXXX of borrower, its in their cancellation clause. But Equifax always says that verified, wrong look it up if borrower is declared XXXX, loan is cancelled. This was the case. Company policy states this, Equifax wo n't take the time to review
Product: Mortgage

Previous mortgage company = XXXX XXXX XXXX mortgage company = AmeriSave I closed refinancing on XXXX XXXX, 2020. Refinancing mortgage company has not paid in full the previous mortgage company even after a month and now I am being shown as late/default on my previous mortgage company. 

Would like you to look into this ASAP and resolve. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED TRANSUNION TONIGHT TO DISPUTE MY CHAPTER XXXX FROM XX/XX/2013 XXXX COUNTY, NEVADA AS ALWAYS WHEN YOU CALL TRANSUNION YOU ALWAYS GET SOMEONE O THE LINE WITH A THICK ACCENT SOUND AS IF THEY ARE MIDDLE EASTERN. I HAVE A HABIT OF RECORDING THE CALL FOR LEGAL PURPOSES. I RECORDED THIS CALL. I ADVISED THE REP. THAT I WANTED TO DISPUTE MY XX/XX/2013 BANKRUPTCY FROM CLARK COUNTY NEVADA I EXPLAINED TO THE REP 3 X WHY I WAS DISPUTING. AFTER 30 MIN OF TRYING TO GET HIM TO UNDERSTAND HE ADVISED ME OK MAAM I WILL SEND YOU A CREDIT REPORT, I ADVISED I DIDNT ASK FOR A CREDIT REPORT XXXX I WANT TO FILE FOR A DISPUTE I HAD TO HANG UP ON THE GUY BECAUSE HE WAS NOT UNDERSTANDING. TRANSUNION IS REPORTING THIS CHAPTER XXXX FROM XX/XX/2013 AND THE BANKRUPTCY HAS SEVERAL INACCURACIES THAT I AM DISPUTING, AND AT THIS TIME I WANT TRANSUNION TO FILE A DISPUTE FOR INACCURACIES. FILING DATE AND 2 CREDITORS LEFT OFF THAT IS NOW TRYING TO PLACE ME IN COLLECTIONS,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax with detailed descriptions of accounts that were negatively impacting my credit. I asked for a full investigation to be done. I gave them 40 days to respond and I did not receive anything. On XX/XX/XXXX I sent another letter to Equifax along with my original letter that was dated XX/XX/XXXX. In that letter I asked them to delete the accounts since there was no response provided. I based my letter with knowledge from the FCRA and stated that I would protect my rights if I have to. It is now XX/XX/XXXX, well over 30 days later and I still have yet to receive a response from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection from XXXX is on my report. I did not have an account with XXXX.