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

I was scammed by an online seller. They charged me {$88.00} for an item I never received and they sent me fake tracking info for. 
I disputed this charge with Apple card ( goldman sachs ) over and over again. 
I provided apple with all of the evidence to support my case which I don't believe they ever properly reviewed. Because, if they had it should be obvious I was a victim of a scam. Its really unfortunate that they sided with this fake company over a customer without looking at anything I provided. 
It may only be {$88.00} but just the principle of it is what brings me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to XXXX Transunion and XXXX XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the XXXX to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about XXXX  days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} The XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX bankruptcy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Missouri. I am attaching a copy of the letter sent to me stating that they DO NOT report this information to no agency of any kind. This information is impacting my credit file negatively, resulting in declined credit loans and credit cards. It has cost me higher interest rates. Since the bankruptcy court does not report this information at all, I am requesting that it be permanently be removed from my credit file and never allowed to be placed on my file ever again.
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 XXXX 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 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 generally, 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 reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with Midland Credit Management. I am not liable for this debt with XXXX XXXX XXXX XXXX. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XX/XX/XXXX/DOFED XXXXXX/XX/XXXX/DOFED XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Me and my partner financed a XXXX Kia XXXX XXXX : XXXX from KIA XXXX XXXX. Never had a late payment. XXXX months into the lease the motor went bad & needed to be replaced. After weeks of waiting for the warranty to be honored, they finally agreed to replace the motor. The car was my partners daily car, so she was the one keeping contact with the dealership. She dropped the car off for a " motor replacement '' & 3HOURS later the car was ready .... I know you can't replace a motor in 3 hours. The car behaved exactly the same. So, on XX/XX/XXXX i took her to another dealership & financed her a XXXX XXXX XXXX ( which i have attached the proof of purchase ) And as of today she still has the XXXX & hasn't had any issues thus far. on XX/XX/XXXX we drove the KIA XXXX to KIA XXXX XXXX to SURRENDER the vehicle when I got off from work. The dealership was closed at the time, so we left the keys in the arm rest with the doors unlocked. They kept contacting us claiming to not have possession of the vehicle. Months later I received a notice in the mail ( attached ) stating the vehicle was being sold at auction. But KIA XXXX XXXX insisted they never had possession of the vehicle. Long story short, the car was sold at auction. Till this day KIA MOTORS FINANCE reports negative delinquent payments to my credit report which has damaged my credit beyond repair. Even though I surrendered the vehicle in good standing & they sold the vehicle at auction. I am no longer responsible for the Lemon of a car. I will be pursuing civil action regarding this matter also. This was by far the worst experience I've ever had dealing with a dealership. as a result of this my credit score has plummeted beyond XXXX points.
Product: Credit reporting or other personal consumer reports

It seems like these late payments dont align with how I normally manage my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accessed Equifax credit report and noticed error. Account on report I had never opened. I spoke to that bank and they had no record of me opening account. I filed a dispute on XX/XX/2019 and three days later XX/XX/2019, received an email stating that the dispute had been resolved and to access the results online and provided a link. I click the link and submit the required information and answer the follow up questions to verify my identity. A window pops up saying that my identity could not be verified and that I was to call their customer service number. I call and am told to submit a copy of my license and social security card, which they receive XX/XX/2019. I then receive a copy of my credit report and a new confirmation number for a credit report dispute submission in the mail. I call multiple times through the next few days to try to get access to my results as I am still unable to access the results online. On XX/XX/2019, I am told that the results will be mailed to me in 30 days. I feel like I am being stonewalled by the company for having filed the dispute as they constantly " require more information such as a license and social security card ''.
Product: Credit reporting

I was reported for greater than 7 years ( XX/XX/XXXX ) for a NY State paid tax lien and Transition continues to report this despite the fact that the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years. I have disputed this with Transunion and the item remains on my credit. It was originally reported XX/XX/XXXX and it is now XX/XX/XXXX.
Product: Debt collection

It is true that an amount is owed for a medical bill, however the bill is greater than XXXX years old. I am told that the bill should only stay on my credit report for XXXX years and then drop off. I called the collection agency to confirm the date and they placed a date on the bill as if it were made very recent. Is this possible can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to dispute item ( Ginnys  ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( XXXX, XXXX  ) would update the account with no information  provided by the creditor, reporting the exact same information that existed before my dispute. 

The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

some time on or about XX/XX/2018 I lost my XXXX and fall on a hardship and lost XXXX credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX  agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with XXXX and TransUnion and they refuse to delete for my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

-- -- -TransUnion XXXX -- - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

At the time of two bank accounts being opened and accessible in my legal name I was incarcerated in the XXXX XXXX jail.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX.

To whomever, I have had a

MoneyGram Account for many years and Errors are common with both MoneyGram.com and MoneyGram Payment Systems. Since I initiated the first of seven transactions
on XX/XX/XXXX MonyGram has not tried to contact me either by e-mail, phone or post.

They held my money for the first 2 trans
actions until my receiver e-mailed me on XX/XX/XXXX to tell me MG was holding the money and would not give it to him. 
{ the first was sent on the XXXX and the second was sent on the XXXX } and I receive no notice from MG. 

Unaware of what was going on, I tried to send three more on the XXXX they kept getting an error before I could complete them. Assuming MG was have trouble I tried two more later and was able to get them through.

After an 8 min. call on XX/XX/XXXX, MG gave me two new Numbers and I had to go to a MG store and get my money back. STILL nothing was said about the on line transactions. The only explanation was we choose not to do business with you. 

The initial attempt was on XX/XX/XXXX, I then started to check the accounts on line and discovered the three transactions were still in my MG account marked WITH A RED ERROR, on the XX/XX/XXXX and my bank account had three pending charges for them. 

On Friday XX/XX/XXXX the transactions were completed in the Bank account and still no word from MG. 

After I made a 40 minute phone call to MG on Friday they told me they would need two business days to investigate and correct the problem. That I should see the resolution on Wednesday XX/XX/XXXX. 

Wednesday came and there was NO CHANGE ON EITHER ACCOUNT. 
Another 22 Minute phone call reveled NOTHING, and I was told they needed another 72 hours. 

I called XXXXXXXX XXXX and after another 26 minute call they said they could make the funds available in 12 hours. 

Then on XX/XX/XXXX three transactions showed up on my bank account as pending and the transactions on my MG account were changed from A RED ERROR to canceled. 

I still have not been contacted by MoneyGram.com or MoneyGram Payment systems???? 

I just received three notices from collection agency on XX/XX/XXXX. 
I do not know that You are not a scam and I need an Official notice from MoneyGram.com. 

XXXX XXXX
Product: Checking or savings account

I had an account with chime opened it back in XXXX then in XXXX I had money deposited into my account then a few days later they closed my account and made it where I had no access to it. They still never sent me my closure check, here we are 4 years later of me still.trying to get my closure check and they keep lying to me about it I've gotten 5 different lies already from them 1 saying the check was mailed but they can't see it, another being the check was mailed to my state, another lie was it was mailed to my new address, they also lied saying it was gon na be coming this week, then they said they were gon na have someone email me it's been 3 weeks no email, then they said they could just void the check and put it back into my account which they haven't done, they hung up on me they have been no help at all and I have lots of proof of them lying to me all I've wanted these past 4 years is my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Collection XXXX  XXXX XXXX XXXX Collection account. {$7800.00} past due as of XXXX 2020. 
( XXXX ) XXXX Public Record
Product: Debt collection

Portfolio Recovery Associates has violated the FCRA In response to your letter dated XX/XX/2023, regarding the XXXX XXXX XXXX credit card account ending in XXXX. 

I have reviewed your letter and the documentation you have provided. I understand that they purchased this account from XXXX XXXX  and that they believe I owe a balance of {$590.00}. 

However, I do not believe that I owe this debt. I have never opened a XXXX XXXX XXXX credit card account, and I have never used a XXXX XXXX XXXX credit card. I have no record of any transactions or payments made on this account. 

I believe that this debt has been erroneously assigned to me. 

I have reviewed the documentation they have provided, and I do not believe that it proves that I owe this debt. They have not provided any records to show that XXXX XXXX XXXX credit card account was opened in my name, and they do not show that I ever used the account or that I ever agreed to pay for it. They also have not provided proof that I signed any agreements with them for this debt for them to purchase it or for me to pay them. 

I have also reviewed the Fair Credit Reporting Act ( FCRA ), and I believe that they have not complied with the FCRA in their handling of this matter. The FCRA requires them to investigate all disputes regarding debts that they report to credit reporting agencies. They must also provide me with a copy of the debt validation letter that they send to the credit reporting agencies. 

You have not provided me with a copy of the debt validation letter that they sent to the credit reporting agencies. They have also not investigated my dispute promptly, if at all. 

I believe that their failure to comply with the FCRA has caused me harm. My credit score has been damaged, and I have been harassed by their collectors and denied access to housing and a better life for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I noticed fraudulent activity on one of my XXXX credit card accounts. I filed a dispute with XXXX and they were able to resolve the issue. Because I was a victim of identity theft, I filed an Identity Theft Report with the FTC noting fraudulent activity on my credit card account. As a victim of identity theft, I am entitled to place an extended fraud alert on my credit report and send in the required documentation to Transunion to do so. Upon sending my request in to Transunion for an extended fraud alert, Transunion, on their own accord, without asking me, sent a dispute investigation for fraud to XXXX. Because of the dispute investigation sent to XXXX, XXXX automatically closed my entire credit card account. XXXX stated that they closed the account because the dispute investigation sent by Transunion stated that it was a fraudulent account. This is not the case. The identity theft report that I filed and the personal statement on the report clearly states that I experienced fraudulent activity on my account, not that the entire account was fraudulent. XXXX will not reinstate the account unless Transunion retracts the fraud dispute investigation. Transunion is stating that they can not retract the fraud dispute investigation and that XXXX has the ability to re-report the account on my credit report. It seems that Transunion made an error by sending a dispute investigation to XXXX without my permission and without due cause. If you review the personal statement on my identity theft report, it clearly states that I was reporting fraudulent activity on my account, not that the account in itself was fraudulent. Now I am stuck in the middle with both agencies ( XXXX and Transunion ) saying that they can not do anything further. Re-opening the account is of importance to me because the account that was closed has over 262,000 rewards points attached to it. Since the account was closed without any notice to me, I have essentially lost XXXX reward points and can not reclaim the points unless the account is re-opened. Further, the account has been open since XX/XX/XXXX and paid in full each month. If the entire account was fraudulent, I would have reported it as so much earlier and I would not have paid off any of the balances on this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report.despite my submissions, Equifax constantly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.this practice violates the Fair credit reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( A ) - ( B ), as a highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with necessary proof of investigation. These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Was in a bk-XXXX, was only 2 months behind, faxed in modification since XX/XX/2018, see just some of proof, XXXX get paid thru VA for going to school if full time at least {$1000.00} per month, he goes more so is more money and one month VA double up, will not ad up to XXXX per month have faxed and explained for 3 months and keep getting the same excuse asking for proof of deposit for XXXX!!!!! Are different amounts on the bank statements, have sent in proof of letter, etc and Carrington still keeps asking for same paperwork! WORST BANK AND UNDERWRITING CAN NOT READ! If not accepting they should say not using so now have to take off and use his staffing job since he started in XX/XX/2018. As a veteran, this shouldnt happent to me or anywone else!
Product: Debt collection

I filed bankruptcy in XX/XX/2018 and it was discharged XX/XX/2018. I explained this to this company but they still repeatedly calls me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A judgement is on my credit report for XXXX case number is XXXX I have disputed this account. This judgement does not belong to me.
Product: Consumer Loan

On XXXX XXXX, 2016 the XXXX auto payment in the amount of {$540.00} due Capital One Auto Finance was deducted from my checking account. The following day- XXXX XXXX, 2016 Capital One again deducted {$540.00} from my checking account. 
For the past 2 weeks, I have been contacting Capital One trying to get the double payment reversed. 
Today, Capital One asked me why I had n't contacted my bank to reverse the charge. I explained that XXXX XXXX XXXX requires customers to contact the merchant before filing a claim. 
Capital One is refusing to reverse the 2nd payment. They are insisting that if they reverse the XXXX XXXX payment, my XXXX payment will be due on XXXX XXXX. 
They took out my XXXX payment on XXXX XXXX. How many payments do they need for the month of XXXX?
Product: Credit card or prepaid card

I logged in to my American Express app on the due date for my credit card and paid y bill. The representative is telling me that they received my payment one day late, which is why I was charged a late fee of XXXX. I paid my bill in full by the due date in the application so I should not have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint involves XXXX  ; XXXX  and Experian. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and find some inquiries i did not aprove. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document 'Experian Dispute Resolution - XXXX XX/XX/2022 ' is an update to my CFPB Complaint No. XXXX, that I filed against Experian last week. 
I submitted the attached document to Experian, because I disagreed with their resolution to a dispute that I submitted to them on XXXX XX/XX/2022. 

XXXX XXXX XXXX, XXXX ( Retired )
Product: Credit reporting or other personal consumer reports

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. ATTACHED