23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Apple Credit Card/ Goldman Sachs XXXX I was checking my credit report and found an fraudulent account from Apple Credit Card.I immediately opened a dispute with credit bureaus and sent in FTC report then in-called the creditor to report account as fraud. They only could find my account with my social security number and date of birth and address and other information were incorrect so i asked to do investigation.I also sent them copy of FTC report and checked by tracking number and they received it.The account with the balance around XXXX $ is still on my credit report affecting my credit. It lowered my credit score to XXXX which resulted other banks lowering or closing my existing credit cards.
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 15 USC 1681. 

Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to file a formal complaint against [ American profit recovery ] for their egregious violation of consumer rights as outlined in several key consumer protection laws. They have failed to adhere to the regulations set forth under the Consumer Financial Protection Bureau ( CFPB ). 

Firstly, [ American Profit Recovery, ] has neglected to provide validation information as required under XXXX XXXX XXXXXXXX ( b ) ( XXXX ), yet they have proceeded to place a collection on my consumer report. This blatant disregard for regulatory requirements has resulted in unjust damage to my credit profile. 

Additionally, I have not been afforded the opportunity to dispute the account in question, a fundamental right granted to consumers under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This lack of transparency and procedural fairness further compounds the injustice perpetuated by [ American Profit Recovery ]. 

Moreover, it has come to my attention that [ American Profit recovery ] is engaging in deceptive practices, including false, misleading, and misrepresented information. Such conduct not only violates consumer trust but also undermines the integrity of the financial system. 

Furthermore, [ American Profit recovery ] has unlawfully furnished account information to consumer reporting agencies without providing the necessary disclosures mandated by law. This egregious violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) demonstrates a blatant disregard for regulatory compliance and consumer protection. 

In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement actions against [ American Profit Recovery ]. I also request that the Bureau intervene to rectify the unjust damage done to my credit profile and ensure that [ American Profit Recovery ] adheres to all relevant consumer protection laws moving forward. 

Thank you for your attention to this matter. I look forward to a swift and just resolution of this dispute. 

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

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In XXXX my identity was compromised and a theft somehow got a hold of my personal identifying information such as my name, my date of birth, my social security number, my address. The thief broke into my mailbox multiple times and stole my mail and used my identity to open several accounts, they also went and applied for government benefits in my name. Once i became aware of the identity theft I immediately reported it to the postman inspector general, and to the XXXX XXXX police department. When i seen XXXX account pop up on my credit report, I knew I didnt open this account and so I reported the identity theft to XXXX XXXX XXXX XXXX and Transunion and directly to XXXX i wrote a dispute letter, along with a FTC id theft report and a copy of the police report filed with XXXX XXXX XXXX XXXX. XXXX has ignored my identity theft dispute. This is a violation of my rights under the FCRA. 

XXXX has a duty to investigate a dispute from me the consumer sent to the address listed to receive disputes. XXXX is in non compliance of 15 USC 1681s-2 ( A ) ( 1 ). XXXX also has a duty to correct and update information being reported that is inaccurate. 

Not only has XXXX ignored the Identity theft dispute that XXXX, XXXX and Transunion forwarded to them which is a violation of the FCRA, also XXXX has ignored my direct dispute I sent certified mail in XXXX of XXXX and another dispute with a copy of the police report and FTC report in XXXX of XXXX. NO INVESTIGATION HAS BEEN DONE BY XXXX XXXX has not investigated my dispute nor have they provided me the results of such investigation. It has been over 90 days and still no response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that an account was opened on XXXX XXXX XXXX  with Affirm with the balance of XXXX. This account was marked as a charge off then changed to potentially negative and unsecured. 
I have call Affirm and XXXX  to let them know that this was fraud. I made reports with them, filed a police report and after a couple of weeks and nothing was done. 
I am in despite need of completely removing this fraudulent account with affirm from my credit report because it is effecting my financial life. Somebody please help me thankyou.
Product: Debt collection

I was unable to open a checking account at a new bank today because they see I have a balance pending with US Bank. The amount is ~ {$300.00} and has been outstanding since 2015. I do not recognize this and firmly believe this is a mistake. I have called US Bank and spoke to their representatives yet no one is able to provide any explanation as to what this relates to. I have spent more than 2 hours speaking to their representatives and they just keep transferring me between departments. They are trying to charge me {$300.00} dollars without any explanation. 

Because of this record, I haven't been able to open a bank account and set up utilities in PR.
Product: Money transfer, virtual currency, or money service

On XXXX  I made a payment of {$90.00} via XXXX as a rental application fee to somebody fraudulently posing as a landlord on XXXX. After I figured out the apartment wasnt real and I had been scammed, I contacted Wells Fargo to request a reversal of the payment and was rudely told that Wells Fargo would offer no recourse. I asked for the call to be escalated to a supervisor and was hung up on. 
Wells Fargo has reversed contested charges from my checking account with no issue in the past, Ive been a customer for XXXX  years and never had a problem until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a bankruptcy that is on my report at all 3 bureaus. I have disputed XXXX  XXXX which shows dismissed as not mine. XXXX is the only bureau that removed it from my report. XXXX and Transunion are refusing to remove it no matter how many times I have disputed it. Please assist in the removing this dismissed bankruptcy XXXX  XXXX from my reports..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are both alleging that the Portfolio Recovery account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for XXXX is factoring data and collection on XXXX XXXX reflects a past due amount of {$480.00} and XXXX reflects XXXX *XXXX  reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing Portfolio to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with Portfolio, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Citi handed over the respective account to a debt collection agency yet continue to report the account as being delinquent. Remove the respective Citi account from my personal consumer report immediately.
Product: Debt collection

this company continues to call my personal phone, my employers phone, my friends and family after repeated times of asking them to stop and only contact me via us mail. i also asked them to send me proof of the debt and they refuse. they use profanities and threaten me. they tell my family and friends to pay the debt. they just called my work and told my employee that they are collecting a debt for me and they were rude to her. i DO NOT WANT THEM TO CALL ME ANYMORE. please only contact me via us mail.
Product: Vehicle loan or lease

I applied for an extension of credit for an auto loan with Navy Federal Credit Union on XXXX as well as XXXX and was denied. I was discriminated against according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c. I made the auto loan request with good faith as I am a credit worthy applicant and my rights were violated by this organization. 

This creditor has broken the law and is in violation of 15 U.S. Code 1642., U.S.C 1681m and 12 cfr 1002. I have contacted this company to let them know I was denied credit. I have sent messages to Navy Federal Credit Union representatives stating that my rights were violated, they have responded back REFUSING to acknowledge that the law is not being followed by them, to address the issue any further or extend me the line of credit that I am asking for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
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 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: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite having used Zelle extensively and reporting discrepancies, neither my financial institution nor Zelle has adequately investigated my claims. I was told that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has failed to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I received a called from XXXX with First Source today XX/XX/2020 around XXXX XXXX I've never heard from this company via mail.They are stating the debt is coming from a XXXX XXXX account I use to have. I'm not currently working but 2 days a week and I have rent, car loan and bills to pay. XXXX with First Source refused to send information via mail. We're dealing with a pandemic and this company is harassing me. I'm trying to figure out how I'm going to make it day to day and this company is calling and bothering me. First Source hadn't sent anything in the mail. How do I even know the bill and amount is valid. Please Please and please do not harass me via phone.
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX  XXXX  with the concerned authority. The application was returned due to incomplete information. The company would not refund the application fee or credit it towards the amended application, nor would they refund the charges I paid for courier services for the license to be mailed. I called the bank ( Capital One ). They closed the dispute saying that I received the services, and told me to go back to the vendor. I provided them with the proof of denied application, but they would not entertain the claim. The licensing authority just said we dont have a mechanism in place to process any refunds.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX5 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine
Product: Mortgage

There was a court order payment of {$260.00} to be split between my ex husband and me. I have maintained a regular payment of XXXX to the mortgage lender, chase bank. However, my ex has not fulfilled his part of the payment but chase continues to report it as a negative or delinquent account on my part. This is taking an XXXX on me as a single mom with XXXX boys. I ' like the negative reports be removed and the previous negatives corrected as a true reflection. I 'm afraid this will affect my ability to secureany future loans on some reasonable terms.
Product: Bank account or service

I ask Well 's Fargo to stop putting me on the over draft " protection '' plan. Each year they take me off, they take me off, then the next year they put me back on it and charge me. It 's not protection and its false advertising.
Product: Credit reporting or other personal consumer reports

The following companies have asked for credit information AND I have not asked for credit or anything. When I called these companies they say it wasnt them. The following companies & dates follow XX/XX/23. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i do not know how, why, or when a fraud alert was placed on me but i want it removed. i am unable to apply for any credit due to this fraud alert. i am unable to order my credit report to see if someone has used my identity due to the alert. how can i get it removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, XXXX XXXX Equifax. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX regarding its mismanagement of my student loans, improper loan grouping, failure to provide accurate and transparent information regarding my deferment request, and the subsequent inaccurate credit reporting that has significantly harmed my financial standing. 

XXXX XXXX In XX/XX/XXXX, I was approved for a deferment request, yet XXXX placed my loans into repayment at the same time. Instead of applying the deferment to my entire loan portfolio, as would be expected, only XXXX of my loans was deferred, while the remaining XXXX loans were placed into repayment. I have not taken out any new loans since XX/XX/XXXX, so there is no reason my loans should have been split or grouped in a way that excluded the majority of them from the deferment. 

At no point was I informed or notified that my deferment request would be selectively applied to only XXXX of my loans. I acted in good faith in securing deferment and should not have been placed into repayment on the remaining loans due to XXXX improper handling of my request. 

Due to this error, XXXX incorrectly reported XXXX missed payments ( XXXX for each loan ) to the credit bureaus, significantly lowering my credit score. This reporting is inaccurate and unjustified, as I should have been in deferment status across all loans. These missed payments now appear as delinquencies on my credit history, which could impact my ability to secure housing, loans, and other financial opportunities. 

Additionally, XXXX failed to provide clear communication and timely notice regarding my repayment obligations. The customer service representatives have provided conflicting explanations, and I have not been given a satisfactory resolution regarding why my loans were grouped improperly, why my deferment was not uniformly applied, or how XXXX intends to correct this error. 

Given the severity of these errors and their impact on my financial health, I request an immediate review and correction of this issue to prevent further harm. Please confirm receipt of this complaint and provide an estimated timeline for resolution. I am available to provide any additional documentation or information as needed.