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

In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX , XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXX and paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ 500k of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I disputed my personal information be changed with XXXX and Experian have not got a respond yet. I need all my personal information to be changed. I disputed this information to them on XXXX XXXX and it have been over 30 days. 
I disputed name XXXX XXXX and XXXX XXXX that is not my name. 
my name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Niswi, LLC. dba Lendumo XXXX XXXX XXXX XXXX Ran credit for unknown reasons
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.
Product: Credit reporting or other personal consumer reports

Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX, XXXX, NY, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed XXXX bankruptcies are listed on my Experian credit report. They XXXX came back verified. I asked Experian to re-investigate these accounts and per section XXXX of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from my credit report.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I obtained what was called a " Borrow and Grow '' loan through SeedFi. I maintained payments on this loan religiously, and was then informed of XXXX of XXXX that Seedfi was selling our loans to another company by the name of XXXX  We were told that our loan terms were going to remain the same, that nothing would change. With Seedfi, we were told that we have a savings account at XXXX XXXX XXXX 
I paid my loan of early, on XXXX, after XXXX retained credit card information that they were explicitly told not to retain and made that the default payment on my account. This could have presented an issue, however, I was able to take care of it before it became one. I have spoken to multiple people at both Seedfi and XXXX and no one can tell me when I will have access to my savings money. It was my understanding it would be released within 7 days, which is a reasonable amount of time. XXXX says it will most likely be more than 30 days ... .that isnt what my contract with Seedfi stated. Seedfi tells me that they have had issues with customers complaining about the same thing as far as not having access to their money when they should. Seedfi also tells me now that they can not assist me whatosever, as they have sold the loans to XXXX I have been hung up on multiple times with both companies when I call to inquire. I feel like they have stolen {$1500.00} from me. 
Could you please help me figure out what they are doing with my money and when I will get it? I have practically begged them to release my money. I have almost lost my vehicle and better waiting on my money to be released. 
XXXX XXXX has never had an account in my name according to them also. I gave them a call when neither company would answer my questions. Ironic since that is where my savings account was supposed to be housed.
Product: Credit card or prepaid card

ACCOUNT LOCKED WITH APPLE CARD GOLDMAN SACHS I have been contacting Apple Card Support for 10 days regarding my card account being locked. They keep mentioning that it's for some safety and security reasons, but I'm waiting for outbound calls that haven't come. One was with technical difficulties where i couldn't hear anyone, the other was outside of the hours of availability I gave them.

I keep contacting support who says that someone will call me, but it's the same answer every single day, either through the Apple Support messages or over the phone. They've notated my account, but I have not received the call. 

It's unfair that I have to wait this long without a deeper answer. I still have a balance and line, I am still ME, and Apple Support can't even be bothered to call me.
Product: Credit card

ECSI, acquired by Heartland Payment Systems, tried to assess a surcharge that exceeds 4 % ( 4.05 % ) in their student loan payment portal through the Campus Partners website. There is a surcharge for both debit and credit cards, which as I understand it, is illegal. Since surcharge can not exceed their " merchant discount rate '', please publish their discount rate so that we are charged the lesser of the XXXX. I 'm certain that it does not exceed the {$40.00} fee they tried to assess for my one time card payment of {$1000.00}.
Product: Credit reporting or other personal consumer reports

I had an account with Indigo. 
( account # XXXX ) on XX/XX/2023 I paid and settled this account. Since this payment was made my credit reports reflected the status of this account as Paid in Settlement. On XX/XX/2023 there was a dispute with this account. After the dispute the status of this account was changed to reflect the status of this account as Charged off which it should not, as this was paid in settlement. This is causing a huge issue for me, as I have mortgage lenders looking at the status of all of my accounts.I reached out to Indigo ( now known as XXXX XXXX ) and spoke with an account manager named XXXX who confirmed that the account is in fact paid in settlement and she does see the payment made, However she stated that they will not update the status of my credit report. She gave no reason as to why they wouldnt accept that they never do it. This is ridiculous and a violation of my consumer rights under the FCRA which states creditors are obligated to report accurate and verifiable information to the credit bureaus.
Product: Debt collection

A legal representative from " loanme '' XXXX XXXX called an associate of mine XXXX XXXX on Thursday XX/XX/2017. The representative called in regards to case number XXXX. XXXX XXXX left a return number XXXX to be further contacted. After learning of this call I attempted to make contact with XXXX XXXX on Friday XX/XX/XXXX. After placing the call I was in direct contact with " XXXX '' a legal representative directly. I was informed that there is a small claims case against me in the amount of {$6000.00} and that the case was formed against me after negligence of payment on my account. I was told that unless I pay restitution or that I would be counter sued for the amount owed. The representative claimed their law offices have contacted my former employee, associates, and conducted a background check into my finances without my knowledge. The actions were justified as a means to establish " credit worthiness '' with the law office. I was then told that I received documentation and notice of the pending law suit against me. I informed the representative that they had no legal right to conduct a background check or any further actions against me without my knowledge, to that they replied they were legally covered and justified due to my contractual agreement. I have not received any documentation or notification of a legal case against me. Also Over the course of my line of credit with loan me they have called me numerous times daily attempting to collect payments. I would receive anywhere from 10-15 calls daily from random phone numbers nation wide until I would answer the call. I have requested numerous times to not be contacted excessivley and that their practices are a violation of my rights and privacy, but to no avail. The account from loan me has not been placed on my credit or placed for collections I discovered yesterday XX/XX/XXXX after checking my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX, i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXX XXXX not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX  for a debt i did not authorize, sign or even know about.
Product: Debt collection

I have been harrassed by Convergent Outsourcing for a debt that is not mine. The debt in question is for XXXX. I work for XXXX, and I do have nor have I ever had a debt with them. I have been working at XXXX for XXXX XXXX XXXX XXXX ). Contacted the collections department within XXXX and they stated that I do not have a collections account with them, and if I did I would not have employment with them. The debt in question is {$590.00}, XXXX has free/discounted services for their employees. I do not owe anything to XXXX or Convergent Outsourcing, they are trying to have me pay for a debt that is not mine and harass me in the process.
Product: Money transfer, virtual currency, or money service

I am writing formally writing to express my concerns regarding Zelles handling of disputes particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these funds was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers and has allowed repeat offenders to continuous exploit the system leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX TX opened XX/XX/2018 for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, or personal loan

I applied online last year and got approved for a loan through Brookwood Loan. Initially I only applied for {$2500.00} but was told the minimum loan amount would be {$3200.00}. At the time I didnt realize that Brookwood Loans only do loans over {$3000.00} so they can charge whatever interest rate they want to charge if the loan is over {$3000.00} which is so sad. I am currently paying 59 % interest on a personal loan. This is highway robbery and someone should look into this or maybe the Consumer Financial Protection Bureau can give me some insight or direction on what I need to do to start a petition or how I should go about alerting congressmen for the state of Georgia because is ridiculous. I currently have XXXX and have been out of work for a few weeks trying to pay all my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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: Vehicle loan or lease

I reached out to the lender on multiple occasions regarding my financial hardship, I was deemed medically XXXX by my healthcare provider, I was unable to work and no longer could sustain a living. The repossession was incorrectly reported on my credit report and I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also reque
st verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to
subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Debt collection

continues to call me at work or cell phone states they have documentation that they are going to submit. When I asked them to stop calling they become irate and verbally abusive
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : # XXXX XXXXXXXX XXXX  XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

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

I got a washer and dryer from Conns on XX/XX/XXXX from sales woman XXXX XXXX It was suppose to have 0 % internet if paid in 12 months. I bought washer for {$1000.00} and dryer for {$1000.00} w 0 % for 12 months. Paperwork shows {$4200.00} financed w 31.65 % interest which was not told to me in store. Anotherdocument shows {$3100.00} amount financed which was sent to me by email by store after purchase date. The sales woman explained to me the 0 % interwtst as she held tablet she was reading from and then afterwards just had me initial all spaces that needed my signature. When appliances were delivered there was an issue with the new dryer maiming noise so they took it back and brought me another one same day. I was told the washer I purchased was not in stock and would take several weeks to get it ; however, the delivery men brought in a washer. I asked if they were sure it was my washer as I was told by 2 people in Conns they it had to be ordered. They said it was my washer but it was the floor model. They went ahead and set it up and informed me if had problems to contact store. I started a cycle in washer after men left and it would drain the water. I called and spoke to supervisor on duty at conns and advised that I was not buying a floor model at regular cost but in addition this one had problems so they needed to come and pick up both appliances and cancel my contract as I had 24 hours to do so. He stayed I would have to take it back. I said no its not my responsibility since you sold me faulty and not new appliances and that he would need to pick it up. I had no way to load the heavy appliances nor pickup truck. I advised I did not want any appliances from them after being treated the way I was. A week passed and bo one came. I made several calls but got the response that I had to take back. This went on for months of me setting on hold to only get reps whom couldnt help. I even offered at one point to settle for paying less and the supervisor never got back to me with an amount. Then in XX/XX/XXXX I get a letter stating they are suing me for price of original appliances plus all interest added for total of {$4800.00} from XXXX XXXX XXXX, XXXX. I disputed the charges with XXXX XXXX XXXX on XX/XX/XXXX advising it was not my debt and attached all documentation. The Cause No was XXXX. I received letter dated XXXX XXXX where a continuance was granted to plaintiff. Then letter dated XX/XX/XXXX stating that plaintiff Motion for Nonsuit without Prejudice granted by judge. My credit report shows Conns currently as a charge off for {$4300.00} as bad debt and status now states closed with no payment history. It had a negative impact on my score so I I disputed with XXXX stating that it should state disputed and amount were incorrect that were reported. They responded that it has been updated and now score dropped XXXX points. dismissed without prejudice. Conns has reported on credit report as a charge off for bad debt and no payment history for {$4300.00} and now states closed which is still incorrect.
Product: Mortgage

I was trying to refinance my mortgage on my condominium with Bank of America at the end of XX/XX/2018. Once the appraisal was done and non-refundable, they started playing a " war of attrition '' by constantly bringing up more and more questions about my condo association. Questions were asked and answered only to have more questions come up. Our association board president filled out a questionnaire and that wasn't good enough. After two months of this, I gave up at the end of XX/XX/2018. I have asked that my appraisal fee be returned but I get no response. It was clear that they were not acting in good faith and once they got a little over {$500.00} out of me, then the games began. Phone calls went unanswered. Complaints filed on their company web site went unanswered. Closing dates were set only to have them stopped at the last minute to ask more condo association questions. Bank of America is fleecing people trying to refinance condominiums because they know that the credit market is so tight for condos that they can get away with it.