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

Direct express debit card : Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you. When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019 for {$320.00} which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the 10 day due to conflicting information. The second claim was filed on XX/XX/XXXX for {$760.00} because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you XXXX or XXXX tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several inaccuracies on my credit report that are having a severe and negative impact on my creditworthiness and reputation. I have discovered that several accounts on my credit report, specifically the XXXX XXXX XXXX and XXXX XXXX XXXXXXXX accounts, contain inaccurate information regarding the date, amount, and payment history of the accounts. 

This erroneous information is a violation of my rights under the Fair Credit Reporting Act and is considered defamation of my character. As such, I demand that you take immediate action to remove these inaccuracies from my credit report. 

In addition to the inaccuracies on my accounts, I have also discovered several unauthorized inquiries on my credit report, including those made by XXXX XXXX and XXXXXXXX XXXX. These inquiries were made without my consent or authorization and are further violations of my rights under the Fair Credit Reporting Act. 

I demand that these unauthorized inquiries be removed from my credit report immediately and that you take all necessary steps to ensure that this does not happen again in the future. 

If you fail to act promptly and remove these inaccuracies and unauthorized inquiries from my credit report, I will have no choice but to take legal action against Equifax and pursue all available remedies under the law. 

I trust that you will act swiftly and in good faith to correct these issues and ensure that my credit report is accurate and reflects my true creditworthiness.
Product: Credit card

I paid my BofA account off on XX/XX/XXXX paying {$5800.00}. A scheduled payment came out on XX/XX/XXXX in the amount of {$3600.00} leaving me a credit balance of {$3500.00}. A simple IT tweek to their system to text me or email me should have been in place. This is a XXXX interest rate and there is no need for me to have a credit balance. My beef is XXXX scripted answer to me is to take XXXX business days to refund me. This does not make sense since they can take payments and debit checking accounts within 2 min and not more than 24 hrs. Whats fair for them should have a system ( s ) in place to protect the consumer too! Whats good for the goose is good for the gander!
Product: Checking or savings account

I recently found that I have been getting a monthly charge on my paypal account from XXXX going back two years. I was unaware of these charges as the charge name said XXXX and I confused it with a different subscription I had been using. 
I tried contacting XXXX and they told me there is nothing they can do and I need to dispute it with paypal. I told them they can look up my account and see that I never used their service but they said it didnt matter. 
I tried to dispute the charge with paypal and they responded that there was nothing they can do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

I have said this before. Equifax has to be the XXXX credit reporting agency there is. Equifax continues to report the Fraudulent Account, XXXX XXXX XXXX ending i XXXX, on my Equifax Profile despite XXXX XXXX XXXX sending a `` flag '' to remove XXXX XXXX XXXX from my Equifax profile on XX/XX/2023. To Date, according to XXXX at XXXX XXXX XXXX XXXX Fraud Department the flag to remove the account from my Equifax profile has been sent to Equifax 5 times as of today, XX/XX/2023. In addition, Equifax had confirmed they received the FTC Identity Theft Affidavit concerning the Fraudulent Account of XXXX XXXX XXXX ending in XXXX on XX/XX/2023 an the letter I sent to Equifax from XXXX XXXX XXXX removing the Fraudulent Account ending in XXXX from all 3 Credit Bureaus. Again, 5 times? Thest people are XXXX! That or XXXX. I want this account removed IMMEDIATELY!!!!! Or I will take legal action against Equifax not only to have it removed but also for damages.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ) I sent an Identity theft letter to ( TRUMARK FINANCIAL CR, XXXX XXXXXXXX XXXX XXXX XXXX ). I have not received a response nor has ( TRUMARK FINANCIAL CR, XXXX XXXX, XXXX XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( TRUMARK FINANCIAL CR, XXXX XXXXXXXX XXXX XXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. 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 c
onsumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

When applying for the card, terms were indicative of a general use credit card. Points were earned at a certain rate for in-store purchases and a different rate for outside store purchases. I was approved and received my card two weeks later. When attempting to use the card at a grocery store, it said the card was declined. Upon contacting customer service via secure messages through their website, I was informed the card I received was only for in store purchases. When I called to cancel due to this issue, I asked about this issue and the customer service representative told me that if you do not qualify for the one that can be used outside the store, you will automatically be sent the instore only card. I never received documentation I did not qualify for the original offer ( no adverse action notice ). I was never told I was receiving something different than the offer I signed up for ( no counter-offer ). I was just sent the different card.
Product: Payday loan, title loan, or personal loan

In XXXX, We got a loan from mosaic llc for solar panels with XXXX XXXX - XXXX XXXX they started the installation but never done and mosaic didnt got sure we got what they paid for it we tried multiple times to get our loan canceled but they only said they are investigating when they know that XXXX went into bankruptcy and they are not getting done the project. 
Attached is a picture where shows where the panels installation were when they stopped answering the phone, we supposedly get the panels to save on our electric bill but now we still have to pay our high electric bill plus we have that loan
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was offered 2 years of 0 % interest on my purchase and I was told since I already had a Synchrony credit card at Ashley Furniture I did not have to open a new credit card. My contract clearly states i will not be charged interest for 2 years and my existing Ashley credit card was pre authorized. On XX/XX/XXXX XXXX 's rework my contract due to numerous incidents of bad customer service and issued a credit which lowered my bill. I received a new contract on this date but the financing agreement remained the same. A week ago I received a bill which shows I'm being charged interest. I immediately called Synchrony and they informed me XXXX 's failed to add the special financing. I then contacted XXXX 's and they now refuse to honor the special financing which is clearly shown on my contract. I have filed several complaints with the XXXX XXXX XXXX but XXXX 's and Synchrony refuse to honor this agreement.
Product: Credit card or prepaid card

Citicards called and wished to schedule a payment which i hold two cards with citibank. 
I specifically told the agent schedule both payments for Friday. They agent said yes but instead one charge was made for the same day and one setup for Friday. This caused a insufficient fee to my bank account and i called back to inform them to refund they money plus the insufficient feed which caused me financial harm. They stated they would not refund the overdraft charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a past due account/loan I had with XXXX  before we purchased our new house in XX/XX/2020. I was reported correctly that I paid it and the account was closed. In XXXX it was changed from paid status to derogatory under the condition section with Transunion. I have filed 2 complaints and wrote a statement explaining why it was wrong and kindly asked it be corrected. XXXX  and XXXX  are both reporting it correctly that the account has been paid in full and is closed. Transunion will not help me and leave it at derogatory status and show it still a collection. Due to their error my credit dropped over 100 points and I explained this to them. I paid the full balance due with XXXX  and the agreement was it would be reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the FRAUD ALERTS removed immediately from all 3 CREDIT BUREAUS. I tried calling and sending documentation but the alerts still remain and is keeping me from applying for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : Volvo Financial Services, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed Thank you -
Product: Debt collection

Apparently an account with XXXX was opened in my name at an address in XXXX, XXXX XXXX I have never had an account with XXXX nor have I ever lived in Mississippi. I was alerted to this account because it was placed on my Credit Report as a derogatory account and was in collections. The collection agency is Credit Management LP, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX account was opened XX/XX/year> and the amount owed is {$390.00}.
Product: Credit reporting

On XXXX XXXX, 2016, I disputed the account specified in the attachment with Experian. I am asking that this account be removed from my credit report because it does not belong to me. I have no idea what this account pertains to.
Product: Credit card or prepaid card

This is a follow up of my first complaint and BlueBird a Company owned by America Express haven't send me any papers to file a claim about my moneys
Product: Credit reporting or other personal consumer reports

I am submit this complaint to bring to your attention a persistent issue concerning fraudulent items on my credit reports, despite my ongoing efforts to rectify the situation. Within the next 15 days, I am scheduled to update my credit reports, and this communication serves as a follow-up in anticipation of that update. Regrettably, my attempts to remove these fraudulent items in recent months have been met with resistance from the Credit Bureaus, as they persist in reporting inaccuracies. Under Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Bureaus are legally obligated to remove items determined to be a result of identity theft. The dispute items in question do not belong to me, and I have attached the required FTC Report with reference # XXXX for your reference. Specifically, I am formally requesting the removal of the following specified inquiries : XXXXEXPERIANXXXXXXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution CHASE BANK and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

On XX/XX/2020 my barclay card was used at XXXX XXXX it used through XXXX XXXX  which I don't get how it happened since I live 1 hour and 45mins from the store it happened at and my phone was with me. The charges that were made that were fraud were for {$890.00} and {$790.00}. 

Barclay is indicating since it was used as XXXX XXXX that I should be responsible for these charges which is ridiculous since I was never there nor have I ever shopped there. Plus its almost 2 hours away from where I live.
Product: Payday loan, title loan, or personal loan

Predatory lending. Contract states 39 % but charged 71 %. Have paid back full amount won't negotiate interest pay off
Product: Credit reporting, credit repair services, or other personal consumer reports

I had mailed a letter to XXXX  back in XX/XX/2021 regarding fraudulent reporting on behalf of Wells Fargo regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to XXXX  to check on the status to make sure they received letter about 1.5 weeks later and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Product: Debt collection

XXXX XXXX from Sallie Mae has been contacting not only my work number but my co-signer 's work number after he was told TWICE he was not allowed to do this. He is also using threatening tactics.
Product: Checking or savings account

On XX/XX/23 I attempted to deposit {$150.00} into my Navy Federal account. An error message displayed on the ATM machine and as I proceeded to demand to have my money returned I received a receipt that stated we encountered an issue returning your money. Please call you financial institution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
Product: Debt collection

This is in response to the original complaint I submitted to IQ DATA INTERNATIONAL. 
You all stated that in 2019 I reached out to you to resolve a debt issue, please elaborate on how this is possible when the apartments in question said I moved out in 2019. 
Furthermore, I spoke to XXXX  XXXX  and XXXX XXXX XXXX and both places confirmed that the birthday and social do not match my information. 
You all informed me that XXXX XXXX would have to have this information removed ( I reached out to them, and they reached out to you and asked you to remove the information, as they confirmed it was an error. You told them that XXXX XXXX would have to request the removal ( which I am aware that this company is no longer operational ) However on my credit report it doesn't state XXXX XXXX  meaning that any company that currently is managing a property has jurisdiction to remove debt on behalf of the owners, who they have spoken with ). 

I have never received a copy of a lease or signature and I have informed you that the data attached to my name is not my information ( The identification information you had was also inaccurate. You keep speaking out an email address, please do your due diligence to confirm per national statistics how many cyber scammers can duplicate information. Since you guys deal with apartment debt you would think that you would be aware of the number and attempts of apartment scams occurring You all want me to be guilty of something that unfortunately I'm not, I don't care what type of training your employees received, I will be reporting this to the federal government, state attorneys, and any other agency that I feel should be aware. 
If the company that is reporting the debt is willing to remove it explain to me once again why you guys are on such a high horse that you are refusing to remove it? 
Also XXXX XXXX removed this and works for your company and you had her put it back on my credit report
Product: Credit reporting or other personal consumer reports

under the government code 15 U.S 1601 all charge off accounts MUST be removed. I want ALL charged off accounts to be removed from my credit report.

Under 15 U.S Code 1601 all Repossesions MUST be removed. I want all repossessions removed from my credit report.

Under 15 U.S Code 1602p all Hard inquiries MUST be removed. 

If these are not removed I am entitled to {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$1800.00} XXXX XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

This was my XXXX submission of complaint through CFPB regarding the remaining fraudulent inquiries in my XXXX Credit Report and the fraudulent inquiries the have not attended by the Equifax Credit Bureau. And because of these I kindly ask the Consumer Financial Protection Bureau ( CFPB ) to please assist me in making sure these fraudulent inquiries, especially regarding my Equifax Credit Report inquiry issue to be fixed. Here 's the list of the fraudulent inquiries that I needed to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Goldman Sachs, They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I started this Goldman Sachs accounts Apple card account online, I never received this card, leave alone any statements or bills. I did not have possession of the card. 
Later I found that I had been marked late for a XXXXcent charge on my credit report. 

When I called Goldman Sachs Apple card, I was told that my account was automatically linked to my XXXX  XXXX app store, and that I was prompted for this when I was setting up this account. 

I certainly did not authorize this, and if it was done, it was in the fine print that a customer can not even see. 

This late payment has destroyed my credit, I was about to file suit against Goldman Sachs, who have refused to remove the late payment.

As a last resort prior to taking legal action, Im submitting this complaint to see if Goldman is willing to resolve this matter by remove the late payment from my credit report. 

Account information : Account number : XXXX Open date : XX/XX/20 Balance : {$0.00} Remedy : remove the late payment from my credit report.