23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company never sent letter to advise me of this supposed debt. I found out about this from pulling a copy of my credit report ( s ). 

I have never heard of or have done business with the original creditor as stated on my credit report ( s ) by this collection agency. 

I have attempted to obtain information on the original creditor and it appears to be a " Pay Day Loan '' type of business. I have never needed or used the services of a Pay Day Loan or Cash Advance type of company. 

This debt is absurd.
Product: Money transfer, virtual currency, or money service

My problem is with my Apple card serviced by Goldman Sacs. I  purchased an XXXX with my Apple card on XX/XX/2020. I purchased a brand new XXXX XXXX. While filling out the credit card information ( took about an hour because the wallet app would not prefill any information and all the boxes were not fill-able ) I finally got the payment done. However there was no option for interest free payments for a year like it was advertised. There was nothing offered, no box to be check or anything. I assumed that because it was an apple card purchasing an apple product on the apple website everything was okay. I payed my XXXX statement and the principle looked to be interest free until this pay period. Now, I owe the full balance of the phone or I face interest charges. I payed off the card and canceled it. This is unacceptable. The only answer I got from Goldman was to return the phone and repurchase it on a payment plan. However the phone is not returnable because its past the 30 days return policy. This card is purposefully marketed towards apple consumers and judging by the poor wallet design, wallet integration and implementation by Goldman Sacs, they are taking advantage of people during COVID-19 and their resolution is basically " to bad ''. I effectively closed my account XX/XX/2020. Hopefully, no one else falls for this.
Product: Credit reporting or other personal consumer reports

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. 



Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
UPGRADE INC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, anxiety, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Checking or savings account

In XX/XX/XXXX, Citibank said they sent my money back to XXXX and XXXX never received the money and they will not furnish me paperwork on proof of funds sent to XXXX. I have a right to see prof where my money is at. Citibank are a corrupt company they steal money from people and believe they dont have to give it back. I want my money back from this corrupt bank NOW
Product: Debt collection

The debt was paid XX/XX/16, they are telling me that I need to wait two more years for the account to be dismissed, which never happened before, if the account is paid in total, companies immediately accept the dispute and erase it. 

Here is the accurate information for you to help me out, I need to repair my credit. 

FRANKLIN COL ( XXXX XXXX ) Account # XXXX Account Rating XXXX Original Creditor : XXXX XXXX ( utilities ) Remarks : XXXX XXXX Amount Placed : {$110.00} Opened : XX/XX/16 XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Respecfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose XXXX
Product: Credit reporting or other personal consumer reports

Sometime XXXX last year, XXXX and Equifax pulled down my credit score by XXXX points which I found to be unfair credit reporting and a violation of FCRA law. My application for housing loans were all declined caused by this error on reporting. May I therefore request your office to help me restore and correct the error made on my credit report. Your kind assistance will be deeply appreciated.
Product: Debt collection

XXXX? Bank usa/targetcredit {$530.00} Account is not my account. I have called to resolve this issue many times since 2013. 
I asked the company to remove the collection and produce documentation regarding this debt. I have not received any proof that this debt belongs to me. I amasking CFPB to investigate the improper reporting to be removed from my credit and to be remove bad debt reporting in all bureaus. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card

My bank sent a letter to best buy/Citibank to close my account with a check for {$2400.00} to pay off the loan at the end of XXXX. Citi bank received this and reconciled the check XX/XX/year> with their stamp on the bank confirming they deposited and cashed the check but not to my account. I opened a dispute for the amount at the beginning of XXXX for the missing payment. I have called numerous time to have the issue corrected and no one over at Citibank seems like they want to help. Today XXXXXXXX XXXX XXXX  I re traced my steps with my bank and even called again with my bank and explained that the issue is on Citibank 's end where they have most likely deposited this check to another persons account. We have sent numerous documents to them over the course of a month since opening the dispute showing it's not my issue. I also asked them today to give me the full account information on the call because I don't have access to that anymore and they refused. The solution was to send me a new card which changed the account number.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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

Dillards credit card company back during the pandemic of 2020 had late payments from my deceaseds husband account and put them on my Dillards account and will not/has not removed these negative reportings from my consumer credit account.

Dillards has caused me great emotional distress and loss opportunities due to their deceptive, unfair credit reporting.

My husband opened that account in my name and he paid, used that account without my knowledge/permission. My husband died during the COVID-19 Pandemic of 2020 and that account was his doing, not mine. 
I only became aware of that account after his death.
Product: Checking or savings account

I opened up an account at M & T bank because this is the bank my wife banks at. I started the account with {$50.00}. The banker stated on the account that I was unemployed. I told him I didnt work in the XXXX XXXX as yet because I recently moved over but I still receive income from my XXXX job. They blocked the account a few days after I opened it. They told me I logged in from more than one device. I told them I did log in from more than one of my devices and I think I have the right to do that. I have been in the bank to try and sort the issue no help no results they kept telling me to call the fraud department when I called the fraud department they told me they cant do anything I have to go into the bank I recently transferred {$130.00} dollars to the account by mistake because the card is on my XXXX XXXX and now I have no access to my money they are saying I have to wait until someone reaches out to me Ive been waiting for a very long time with no results. I dont understand why this is happening in the very first place.
Product: Debt collection

I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX , DEPT OF EDUCATION/XXXX  XXXX , and DEPT OF EDUCATION/XXXX  XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.
Product: Vehicle loan or lease

I called to request an extension on my payment, and I was approved to make a payment of {$140.00} on XX/XX/XXXX ( about half of my payment ). The remaining {$140.00} would be added to my XX/XX/XXXX payment, bringing it to {$420.00}. I received a payment receipt and a confirmation email on XX/XX/XXXX, but the funds were not withdrawn from my account. 

A few days later, Bridgecrest withdrew an unexpected {$130.00} from my account, which was not part of the payment arrangement. As of today, XX/XX/XXXX, XXXX actually current on my payments, despite having set up a payment arrangement. I then received a text stating that I owe {$420.00} on XX/XX/XXXX, which includes my regular biweekly payment of {$280.00}, plus the remaining {$140.00} from the earlier arrangement. At this point, I am no longer late and do not need an extension, as Im current on my payments.

When I spoke with Bridgecrest, they were unaware of the arrangement and provided no solution. This has led to overdraft fees from my bank because they withdrew an extra payment that I did not authorize and that wasnt part of the agreement. I feel these practices are fraudulent, as the extension agreements seem to result in overdraft fees and extra payments that put borrowers at a disadvantage.
Product: Credit card or prepaid card

I am contacting you about the compromise of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed Below : XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX XXXX purchased my private information from Comenity Bank and are assuming that I owe them {$790.00}. I have no contract with XXXX XXXX so there for I do not owe them. they are both in violation of 15 usc 1681 and 15 usc 1692 which is fraud and identity theft under consumer law.
Product: Debt collection

In XX/XX/2018 I sent a certified letter to XXXX XXXX, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over six months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, XXXX Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY BUCKLES AND BUCKLES PLC, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX year old female with such serious health issues. I have lost weight, can't sleep, and my XXXX flare ups are XXXX. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Violation of my FCRA/ NCRA . Consumer rights act by reporting Derogatory marks of inaccurate late payment reports that has yet to be properly reposonded too
Product: Credit reporting, credit repair services, or other personal consumer reports

In Reply to : Response of XXXX XXXX Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : XXXX XXXX and its member/Agent AMERICAN XPRESSCOMPANY Inc. ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE XXXX XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding XXXX XXXX a Consumer credit reporting agency and its member AMERICAN EXPRESS COMPANY Inc. , reporting of false DECEASED inaccurate information on my XXXX Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). XXXX XXXX and American Express Company Inc., are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/2022 XXXX filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your XXXX  credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following XXXX XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent XXXX Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) XXXX XXXX AND ITS MEMBER/AGENT AMERICAN EXPRESS COMPANYINC , KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS XXXX CONSUMER CREDIT FILE.. my multiple request to XXXX  and its member American Express have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine XXXX and its member AMERICAN EXPRESSCOMPANY for their continued violations of the act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX BANKRUPTCY DISCHARGED Filing Date XX/XX/2013 Reference Number XXXX