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

After receiving an email advertising apple XXXX XXXX cases at half price from a company by the name of XXXX, I placed an order for 4 cases on XX/XX/XXXX ( 1 for each member of my family ) using my Apple Card. Total price was only {$120.00} The company, XXXX, never sent me the cases. Further their website was shutdown and there are numerous comments online about the company being fraudulent - portraying itself as being part of xfinity but never shipping anything to anyone and not actually being part of XXXX. 

I have since tried to dispute this charge with my Apple Card by Goldman Sachs. Despite submitting the only info I have multiple times and pointing out that the XXXX  website was shutdown and that the company was a fraud, Goldman Sachs has opened a dispute, credited the charge and then reversed the credit in the favor of the vendor 3 times. On XX/XX/XXXX, they finally sent me an email letting me know that the dispute had been decided in my favor but they had already reversed the credit. When I initially called to ask and them to credit the charge, the agent apologized that it had not happened and told me that she was escalating the issue to her supervisor and that it would be taken care of right away. I called again this past Sunday and the same thing happened - Apology, filing a report, it will be adjusted and you'll get a call from a supervisor, very sorry. 

Yesterday, I once again called and the agent told me that the email stating that the dispute was resolved in my favor was in fact an error and that we could once again start over and contest the charge ... I can't make this stuff up
Product: Debt collection

Citi bank keeps telling me I have a balance on an old Best Buy card that i have not had in my possession in years. I keep telling them I will not pay for something until I see what the charges are and they refuse to acknowledge. I have gotten emails saying I have a balance but can not log into the account because I do not have the card. My current Best Buy account has always been current and they acknowledge that but still no one is helping me verify what they are trying to collect. They call the house over and over and I tying talking to them and got cut off after talking to someone who transferred me to fraud so the harassment still conintues.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXXXXXX delete Account XXXX XXXX XXXX delete Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2400.00} ;
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Product: Money transfer, virtual currency, or money service

A gift card from XXXX was purchased in store in XXXX Florida for XXXX dollars using my cash app card. I live in North Carolina and have not been to Florida. I also have never given any of my personal information about cash app or my card information to any one. I was in my bed sleeping when this purchase was made. Cash app has no means to which I can cancel the purchase and XXXX  has no real way to verify the purchase because it was not an online purchase. I have never lost or stolen this card for the card info to be in Florida.
Product: Credit reporting or other personal consumer reports

Step 3 Inactive modalEdit this section What happened? 
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX XXXX XXXX - XXXX XXXX CREDIT XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past XXXX  years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past XXXX  years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an ECMC Collection Account XXXX being reported. I also reached out to ECMC on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX XXXX XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to XXXX and instructed them to DELETE the derrogatory reporting. As of this reporting, XXXX has failed to respond, and I am asking that this item from ECMC be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed that my credit report was full of inaccuracies. The personal information on all reports were inaccurate, they were full of wrong addresses, dates and accounts that were supposed to be closed were listed as open. I sent certified letters to all three bureaus on XXXX XXXX, and they were delivered by XXXX XXXX. I waited the 30 days to for them to reach out with a response to no avail. I called back after 50 days for the reporting agencies to act like they didn't receive my request for updates and deletion of incorrect information. They also wanted me to start a new dispute over the phone when they clearly disregarded the certified letters I sent. After I spoke with Transunion, they removed XXXX XXXX XXXX as it was reporting incorrect information. However, after a week the company reinserted the negative information on my account without verifying anything. Which to my knowledge is against the law, they didn't even respond to my request for the info I requested. It has now been over 105 days and the credit bureaus still haven't sent me any report of an investigation. These inaccuracies are harming my livelihood on a daily basis. I run a business and can't get credit, purchase a vehicle or qualify for loans or bank accounts due to this ongoing problem! I need your help Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT DELETED ALREADY FROM XXXX BANK COULD NOT PROVE THE ACCOUNT WAS MINE AND IT SHOULD BE DELETED FROM XXXX AND XXXX XXXX XXXX Credit Card with account XXXX # XXXX ( XXXX Banco popular of Puerto Rico By XXXX XXXXXXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Please be advised that TRADE : XXXX XXXX is not reporting on your credit file. A letter outlining our findings was also mailed to the address on file. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myXXXX you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX. TransUnion, XXXX has violated my consumer rights and violated federal law. This is multiple times now in an attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I previously disputed information through FTC and led a CFPB complaint for fraud with all three bureaus. I was successfully able to get responses from XXXX and XXXX When I spoke with Equifax, they initially told me they didn't receive my letter. This was the first part of the run around - this has been happening for months. This isn't the first complaint. After about 25 minutes on this last phone call, they stated they did receive it but it appeared that I didn't do it in their particular format. The information was in the incorrect spot. I'm reporting fraud on the inquiries of the accounts, but not that accounts have appeared on my report. I'm ling another report to include the correct information in the correct format as they requested. This complaint is because they refuse to properly report my information and have given my information without my written consent, with no proof of written/live signature from me. I have included the fraudulent account/inquiries, and will also include them in this statement. I stated that Per 15 U.S. Code 1681b - Permissible purposes of consumer reports, I have not given my written consent for my credit to be run or for these inquiries to have appeared on my credit. They are adversely impacting my ability to obtain credit and should be removed immediately. XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX  ( XXXX ) and XXXX XXXX ( XXXX ). I'm tired of Equifax using my report however they want and holding my information hostage.
Product: Credit card or prepaid card

this has to do with all card companies .... 

SOMEONE NEEDS TO STOP THE CARD COMPANIES PRACTICES OF ADDING THE CHARGES TO ONE 'S CREDIT REPORT ALMOST IMMEDIATELY .... 

BUT COMPLETE BALANCE PAYOFFS AND PAYMENTS TAKE A MONTH OR MORE TO BE POSTED ... 

THIS IS XXXX PARDON MY XXXX  ... 

THE COMPANIES HAVE THE ABILITY TO ADD THE CHARGES THAT FAST .... 

THEN THEY ALSO HAVE THE ABILITY POST CREDITS IN THE SAME SPEEDY MATTER ... 
I LIKE CAPS NOT YELLING ... 

EVERY COMPANY DOES THIS AND IT NEEDS TO STOP ... 
DISCOVER VISA FROM ALL LENDERS MASTER CARD FROM ALL LENDERS.. 
AND THAT'S YOUR DEPARTMENT ...
Product: Mortgage

My mortgage is under the name XXXX XXXX. My house sold XXXX XXXX XXXX  Since before the house sold, my escrow company has been attempting to get a payoff amount from the mortgage company without success as they are met with one excuse after another. I have requested the mortgage payoff from my mortgage company, XXXX XXXX XXXX, XXXX times by email per their instructions. XX/XX/XXXX and XXXX XXXX XXXX  Have not received. Escrow company has requested pay off amounts. Have not received. Escrow company, XXXX XXXX XXXX XXXX XXXX, spoke with a supervisor at the mortgage company who gave the email address to send the requested information to, XXXX, supervisors name at mortgage company is XXXX. Escrow company even had her spell her name. She made notes on the account and said that they would be recorded with her initials BCS. She did confirm that the request that was faxed on XXXX, copy attached, was received in their system and that it is pending. Escrow company has not received pay off amount. I spoke to XXXX XXXX XXXX XXXX and the representative stated that the paper that the XXXX XXXX had verified was accurate and correct and valid was not valid. Attempted to speak to a supervisor, notified there were none available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX  with XXXX. On XX/XX/2023 I was in XXXX XXXX when my card declined for my rental car deposit. This did not make sense, as I had paid off my card earlier in the month and should have had plenty of credit to cover the charge. 

I called XXXX and was told that my credit limit had been lowered that morning due to " derogatory information on my credit report ''. ( No notice of this change was sent to me until the following day, XX/XX/XXXX, via email. ) When I insisted that no negative entries existed on my credit report, I was told that I had late payments and to contact Equifax. 

Upon returning, I contacted Equifax on XX/XX/XXXX and obtained the credit report attached. The Equifax representative ( and a supervisor I spoke to ) stated that there were no late or missed payments on my credit report, nor any other derogatory information of any sort. This was also confirmed by the copy of my Equifax report I downloaded that day ( attached ). My XXXX FICO score with Equifax was XXXX on that day ( currently XXXX ). 

I then called XXXX and spoke to a representative and then a supervisor. I explained the situation, and was told that I would have to dispute any wrong information with Equifax. However, there was no incorrect information showing on my Equifax report, so there was nothing I could dispute with the credit bureau. I also pulled up XXXX XXXX  FICO score page on my XXXX account, and it showed that the FICO score they were using was XXXX ( currently XXXX ) and that my score was reduced due to late or missed payments ( attached ). The supervisor I spoke to ( XXXX, employee ID XXXX ) stated that he would submit a review request to the XXXX XXXX department to investigate the discrepancy. 

As of today, XX/XX/XXXX, I had not gotten any response from XXXX on this review, so I again called and spoke to a supervisor ( XXXX, employee ID XXXX ). XXXX stated that a review had been done and nothing had changed. When I asked why the XXXX FICO score page states that my score is reduced due to late or missed payments that Equifax does not show, XXXX said that I would have to dispute the information with Equifax. ( However, as stated, I can not dispute information that does not exist at Equifax. ) XXXX stated that XXXX would not provide me any further information about where this derogatory information currently exists. Therefore, I am requesting that CFPB require XXXX to explain where they are obtaining erroneous information on " late or missed payments '' on my credit report.
Product: Debt collection

I AM BATTLING STAGE XXXX XXXX AND AM UNDER TREATMENT WITH A VERY EXPENSIVE MEDICINE. THIS COMPANY IS COMING TO MY HOUSE AND SERVING ME WITH THREATENING LAWSUIT PAPERS. I JUST RECEIVED THREE FORMS OF COMMUNICATION FROM THEM TODAY. THIS DEBT WAS NOT THIS MUCH UNTIL THEY ADDED THEIR FEES AND INTEREST. THEY SAY THIS DEBT WAS FROM 2022, WHEN I UNDERWENT XXXX XXXX. THEY ARE THREATENING TO SUE ME AND TAKE MY XXXX INCOME. I DO NOT HAVE MONEY TO PAY THIS DEBT.