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

I did not open this credit card account with apple. The phone number, address, and email they have on file is not mine and the first specialist I spoke to over the phone clarified this. I was told to dispute this with the bureaus, so why did Goldman Sachs close my last complaint without resolution?! I feel extremely violated, and will not be responsible for an account that is not mine. That is against federal law. I am extremely upset and stressed that my information has been tampered with. 

After I disputed the account an unknown address appeared on my credit report-XXXX XXXX  XXXX XXXX XXXX ga XXXX XXXX I have never lived there or know who lives there. 

I submitted my FTC report and identification to Goldman Sachs and the credit bureaus. This account is a result from identity theft, again, I am not responsible for this account. 

Please refer to 15 USC 1681C-2 ( A ) " If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won't show up on your credit report, and companies can't try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information ''. 

This is straight from the government website bonded by the United States Government. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXXXXXX XXXX : Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$23000.00} - XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$23000.00} -XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUPPRESS OR FLIP TO SOFT INQUIRY IN XXXX  ACCOUNT. 

UNFAIRLY TRIGGERED INQUIRY RAN DISCOVER REPRESENTATIVE ON XX/XX/2021 IT IS IMPACTINGMY CREDIT REQUIRED AND RESPECTFULLY REQUESTED LETTERS ATTACHED
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 Inquiry XXXX XX/XX/XXXX Inquiry XXXX / XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry fXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XX/XX/XXXX 15 u.s.c 1681 section 602 a states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Removal, I strongly believe that transunion, XXXX and XXXX has violated my privacy In accordance to the Fair Credit Reporting Act, this Creditor has violated my rights. Under 15USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604A section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666B a Creditor may not treat a payment on a Credit Card Account under an open and Consumer Credit Plan as late for any purpose.
Product: Debt collection

THIS DEBT WAS PAID AND IS STILL SHOWING UP AS A NEGATIVE MARK ON MY CREDIT REPORT I WILL BE REPORTING AS A FAIR DEBT ISSUE TO THE TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

You Must follow the consumer law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} Inquiries Included in dispute : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and penn credit " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? first off ive read on line that having a letter in the account number is a violation of metro 2 5 points of compliance yet both the account numbers contains the letter C in them, the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .there are multiple violations..there is no way that penn credit, the original creditor or any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.
Product: Bank account or service

TCF has been charging overdraft fees to my account to overdraw my balance and then charging fees to me for them bringing my account into a negative balance. I am a government worker that has had credit issues in my past and I have been working to rebuild my credit history. Unfortunately I am not in a position to take my business to another bank. A TCF customer service representative even belitted me buy recommending I obtain a prepaid card because that is all I would qualify for. Customers should not be mocked or ridiculed specifically because we choose to complain about a major banking conglomerate defrauding and basically stealing from consumers. I ask that someone investigate the shady business practices performed by TCF Bank.
Product: Credit card or prepaid card

On XX/XX/20 HR Block refused to close my Emerald Card ending in XXXX, & dispute # XXXX in a fraudulent attempt to charge inactivity fees. Emerald card sent confirmation email based on dispute closure they refused to process.
Product: Money transfer, virtual currency, or money service

I am writing to formally share my concerns regarding Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit that has highlighted major issues with the platform. Despite being a frequent user of Zelle and reporting discrepancies in my transactions, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions could not be done. 

The CFPBs findings reveal that Zelle has failed to adequately protect consumers, allowing repeat offenders to misuse the system and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about the platforms commitment to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX XXXX. Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. Equifax disputed the accounts again to have the comments removed. 


I disputed the XXXX  XXXX XXXX account on my report since it reflected as XXXX days past due, a past due amount of {$210.00} ( supporting document # XXXX ). XXXX  XXXX XXXX was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, XXXX  XXXX XXXX updated my report, removing the incorrect information ( supporting document # XXXX XXXX. However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, XXXX XXXX  XXXX XXXX account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with XXXX  XXXX XXXX, and they state that they updated Equifax that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my entire balance of {$310.00} with XXXX XXXX XXXX. The last payment I made was for the amount of {$1.00} on XX/XX/2020. However, Equifax has yet to update my balance to {$0.00}. It is now XX/XX/2020. I have called Equifax and they have not updated my credit report to reflect the {$0.00} balance. Equifax had me to dispute which I have done and the disputes always come back as my creditor reporting that everything is accurate. I have never skipped/missed a payment nor have I ever been late with any of my payments nor with any creditors. Furthermore, both XXXX  and XXXX  both have timely updated my credit report to reflect the {$0.00} balance and other on time payments made with other creditors. As a result of of Equifax 's actions my credit score has resulted in a minute increase to my credit score. Equifax also told me to contact my credit, XXXX XXXX XXXX, which I did. I was told by XXXX XXXX XXXX  that my balance indeed shows that {$0.00} and the entire balance was paid in full. I was also told by XXXX XXXX XXXX that they are not sure why Equifax is not updating consumers updated balances. In addition, XXXX XXXX XXXX stated to me that I wasn't the only one complaining and that other customers of theirs were also complaining to them about Equifax. XXXX XXXX XXXX  said that the only advice that he could give me was to give it some time. However, Equifax has not reported any further monthly on time payments with XXXX XXXX XXXX. I have made on time monthly payments continually. ( I last contacted XXXX XXXX XXXX  concerning my complaint with Equifax on Thursday, XX/XX/2020. I also contacted by phone Equifax on XX/XX/2020 concerning my complaint/ balance issue. I also informed them that I have since done disputes on their website with them to no avail. Equifax asked me to submit a copy of my license and social security card again to them. I refused due to me answering all of their security questions correctly and identifying myself with correctly with my most personal information. Not only that, I also already submitted this information to them previously by fax. I should not have to keep doing that. I personally feel as though I am having to prove who I am by disclosing my person information over and over. It is not fair for me to jump through hoops for them because they refuse to take care of what they should take care of on their end. All they need to do is that simply update my balance to {$0.00} and increase my credit score as they should have done. It is not right and they are clearly are in violation. Their practices not only affect me in a negative light with other potential creditors but also affect customers who expect them to be ethical in their practices. Thank you and have a great day. Take care.
Product: Student loan

For the past couple of years I have been dealing with Navient since i graduated in XX/XX/2012 ... I dont make a lot of money so I asked to be on a income based plan.. they put me on an income base plan they said I had to make payments for 300 months and send in XXXX paystubs annually.. thats fine.. but every 2 years they have me dealing with other companies through them and they make my payments start over.. telling me to pay amounts I cant afford to get started with their plan.. I didnt catch on to what they were doing until the last time when Navient took XXXX out of my account out of the XXXX I had which made me not be able to pay my bills and still got me behind till right now.. I called Navient and they told me I had to switch plans to XXXX XXXX XXXX and they will get on a payment plan bc Navient has been having a lot of complains lately..They told me the only way to not get that much money taken out is to deal with them, so thats what Im doing.. Something is not right though and Im tired of my months having to start completely over
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once again, I discovered that some of the information was erroneous. It is not authorized to fail to validate the reporting account as unverified information. The 3 credit bureaus must validate this account : XXXX XXXX XXXX Balance Owed : {$290.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash A

pp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Customer 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 these violations.
Product: Mortgage

On XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX that my mortgage was being transferred To XXXX XXXX XXXX In XXXX, Colorado. In the letter I was told that SLS would be contacting me about my new account number and other account information. On XX/XX/XXXX, after not hearing from them, I called their customer service line and spoke with a representative. She assured me by the end of the week I would receive that information and she gave me my account number for payment purposes. On Wednesday XX/XX/XXXX, after not hearing from them, I called again and was told by a customer service representative to sign up online on their website to obtain this information easier. Later that night, I filled out all the information but when I out in the last 4 of my social and the account number they provided me I was told it was invalid. On Friday XX/XX/XXXX, when my mortgage was due, I called their automated line, entered the last 4 of my social and the account number they provided me and was once again told it was invalid, I called and a customer service representative told me I could pay over the phone with a debit card or a check with a routing number. I refused telling her if their system said my account number was invalid where would my payment go., So here I sit, willing to pay my mortgage to somebody, but not being allowed to by a company you have had several thousand complaints filed against but still allowed to do business like this. Thanks to that, several thousand honest, hard working people are having their credit destroyed, their houses foreclosed on and being out through undue stress. Shen will the government hold this company accountable for their unsavory and illegal business practices?
Product: Debt collection

Received correspondence from XXXX on XXXX/XXXX/15 stating they are attempting to collect a debt for Midland Funding LLC. Responded via certified letter to XXXX requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that XXXX has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Subject : Dispute of Inaccurate Collection Account Information Dear XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information that is listed on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The specific item I am disputing is as follows : - **Account Name/Number** : XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXType of Discrepancy** : Inaccurate Collection Account I have reviewed my credit report and have found that the above-referenced collection account is inaccurate. The details of my dispute are as follows : - [ Explain the reason for the dispute ; for example, this account does not belong to you, it was paid in full, it was never late, etc. 

In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate information from my credit report. Please provide me with the results of your investigation within 30 days of receipt of this letter. 

Additionally, I request that you notify the creditor/collection agency of my dispute and ensure that they cease reporting this inaccurate information. Under the FCRA, any information reported must be accurate and verifiable. 

Please find my personal information below for your reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXXXXXX XXXX **Address** XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. I expect a confirmation from you once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

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

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )
Product: Debt collection

Hello I have been trying to contact this company in regards to a debt that is on my credit. It is a medical bill that was never submitted to my insurance and I have sent a request letter to obtain the information to send a claim myself. The company has not responded to my letter will not answer my calls or return them. They also refuse to send the bill to my insurance to be paid. I have left messages and voicemails with no answer and have also been hung up on repeatedly by this creditor.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Whom it may concern, Subject : Request to Update Current Address and Remove Outdated Addresses Dear Sir/Madam, I am writing to formally request the update of my current address and the removal of all outdated or inaccurate addresses from my credit report. As mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, your agency is required to maintain accurate and up-to-date information on my credit profile. 

Current Address ( to be updated on my report ) : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX Outdated or Incorrect Addresses ( to be removed ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have enclosed a copy of my government-issued identification as confirmation of my current address. 

Please update your records accordingly and confirm the removal of outdated addresses from my credit file. I would appreciate receiving written confirmation of these changes within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your timely response and confirmation of these updates. 

Sincerely, XXXX XXXX