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

Apple Card from Goldman Sachs Bank 3 charges were made against my brand new card in short succession on XX/XX/2019 The charges were made by XXXX XXXX XXXX XXXX in the XXXX in XXXX pounds 2 charges were accepted by the bank 1 charge was declined by their fraud department I contacted the bank on XX/XX/2019 immediately on seeing the charges. 
Bank said they would credit the charges, and changed my card number Charges were disputed for XXXX and XXXX, but they were not reversed Credit appeared on XX/XX/2019 On XX/XX/2019 the bank reversed the decision and charged back the XXXX I called the bank and was advised that is was not filed correctly by the agent and that they would refile and it would be credited back. No change was made to my account. 
Called the card services again on XX/XX/2019, the agent said the previous agent had not filed the refiling correctly. I spent 35 minutes on the phone reviewing the issue. I was advised that the merchant would have to be contacted and I would get an answer. I explained that the 2 other  charges to the merchant were declined why was this one accepted. I was advised that the charge for XXXX was still under review and not closed. The XXXX is now on my bill and due. 
Called the card services again on XX/XX/2019. Escalated to the supervisor. Was again advised that they would resubmit, but that the merchant must have provided documents for it to be recharged, but there was not proof provided to me. She advised that they would escalate the issue and I would be contacted, but it could take them up to 90 days. In the meantime I can pay the disputed charge or I will be fined interest.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax XXXX XXXX below in attachments
Product: Checking or savings account

I recently opened a Chase checking account. I received a fraud alert from Chase about some transactions. I had never used the account at all. I never received my debit card or PIN number from them. Yet, there were 3 fraudulent transactions on my account. Two of them were at ATMs. I called Chase and opened a dispute. They denied my claim after only a few days. I dont think they even researched my claim. The charges are as follows ... 

ATM withdraw {$500.00} on XXXX/XXXX/XXXX ATM withdraw {$500.00} on XXXX/XXXX/XXXX XXXX {$52.00} on XXXX/XXXX/XXXX I DID NOT MAKE THESE CHARGES.
Product: Credit reporting or other personal consumer reports

I am not responsible for the CHARGE OFF WITH XXXX XXXX. My Credit Report is being used incorrectly as this company as sold my debt to a debt collector by the name of XXXX XXXX XXXX XXXX XXXX and I didn't receive a 1099-C either. This goes against consumer rights including 15 USC 1681 ( e ) B and I will be furthering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached accounts that are reporting information inaccurately and as per the FCRA if something isnt reporting correctly it should be deleted from my three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Consumer Reporting is in violation of the following : Authority : 12 U.S.C. 5512, 5514 ( b ), 5532 ; 15 U.S.C. 1692l ( d ), 1692o, 7004. Source : 85 FR 76887, XXXX XXXX, XXXX, unless otherwise noted. 1006.18 False, deceptive, or misleading representations or means. ( b ) False, deceptive, or misleading representations. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. Allowing General Revenue Corp to false report incorrect data on my consumer report. LexisNexis is acting as an accomplice to General Revenue Corp with furnishing inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my lexus nexus credit report. After contacting XXXX, Equifax, and XXXX it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.
Product: Debt collection

American Medical Collection Agency ( AMCA ) of XXXX, NY, re-dated an old fraudulent collection account from XXXX to XXXX, and reported it as a new collection account to major credit reporting agencies. This unscrupulous act to stretch out how long this derogatory information my be reported, is a violation of 15 USC 1692c for debt harassment and unfair collection efforts. AMCA also utilizes such unethical measures to use another identity and address, i.e. XXXX at XXXX, also of XXXX, NY, to collect the same fraudulent debts. The removal dates of this negative trend line can be traced on my credit reports over the past few years. This company has been served with Cease and Desist Orders from harassment by me, every year, for the past 3 years. The false accounts reported by AMCA do not qualify as open end or closed end accounts under Federal reporting guidelines. The files need to be closed and further collection efforts terminated. The obligation does not belong to me. AMCA was advised to seek restitution from their client. This was a health insurance card mishap, or a physician 's office mix-up for lab services. I refuse to be repeatedly victimized for someone else 's mistake, and illegally harassed by misreporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to urgently request the Consumer Financial Protection Bureau 's intervention regarding an inaccurate debt collection entry on my credit report. This entry, reported by RS Clark and Associates and related to XXXX XXXX XXXX XXXX ( account number XXXX ), is incorrect. My installation clearance records confirm no outstanding fees. 

XXXX, XXXX, and XXXX have failed to verify this account before placing it on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). This negligence is severely affecting my livelihood by damaging my credit standing. 

I request immediate action to investigate this matter and ensure that this erroneous entry is removed from my credit report without delay. Enclosed are copies of my installation clearance records and previous correspondence with the involved parties. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX XXXX : [ Installation Clearance Documents ]
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$190.00} - Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX Charge off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX Date Opened XX/XX/XXXX XXXX Opened XXXX - Late/Open XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened XX/XX/XXXX XXXX Late/Open
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently 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. subsection 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. subsection subsection 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

PayPal is repeating its nasty practice of opening a debit card for my account without asking for my consent. This is described in details in this blog : https : XXXX It happened to me for the second time today. Here 's the start of the email I just received. The email message does contain a hyperlink to " If you decide not to use it, you can close the card. '' but visiting that hyperlink lands you on a general settings page with no option to " close the card ''. I had to search the web to find out that I needed to go to a hyperlink of " http : //www.paypal.com/nothanks ''. 

It is unacceptable for a company to persist in such a despicable practice for over a year! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- from : XXXX XXXX to : xxx xxx XXXX date : XXXX XXXX XXXX XXXX XXXX subject : We're mailing you a debit card to provide instant access to your PayPal balance. 
mailed-by : paypal.com signed-by : paypal.com Now you'll have instant access to your balance To provide you instant access to the money in your PayPal business account, weve updated your account to include the no-annual-fee PayPal Business Debit Mastercard. Well ship your debit card shortly.

The PayPal Business Debit MasterCard is
a new benefit to your existing PayPal Business account. It is not a credit card and no credit report was pulled. The decision to send you this card was based on your history as a PayPal customer. 

The debit card makes it easy for you to : Earn unlimited 1 % cash back on eligible purchases, paid monthly.1 Spend your PayPal balance everywhere Mastercard is accepted.

Withdraw cash from your PayPal balance from ATMs or at participating retailers around the world.2 The instant payments hit your PayPal account, youll have access. 

Well send you an email when your card ships. The card will arrive about 7-10 days later in a PayPal envelope marked " Time-Sensitive Information Enclosed. '' Be sure to activate the card right away. If you decide not to use it, you can close the card. Once youve closed it, please destroy and securely dispose of it. 

We appreciate your business and hope youll enjoy this added benefit. 
Find out more about the PayPal Business Debit Mastercard.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request the removal of inaccurate late payments and correction of non-reporting issues on my credit account ( # XXXX ) with XXXX, as reflected on my credit reports from XXXX, XXXX, and Equifax. Late payments are inaccurately reported for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite these payments being made on time, as evidenced by my attached payment records. Additionally, several months of payment history are missing across all three bureaus ( e.g., XXXX and XX/XX/XXXX, among others ), which violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 605 ( a ), as it results in incomplete and misleading information. There are also inconsistencies in the reported " Date Last Active '' and account classifications between bureaus, raising concerns of potential re-aging ( 623 ( a ) ( 5 ) ) and overall inaccuracy ( 611 ( a ) ). These inaccuracies and omissions have harmed my creditworthiness and caused undue stress. I request the removal of all late payment entries, correction of non-reported months, and an investigation into these discrepancies to ensure compliance with FCRA standards. Attached are supporting documents, including bank statements and screenshots of the inconsistencies. Thank you for your attention to this matter.
Product: Student loan

My loan was FORGIVEN NAVIENT SOLUTIONS refuses to follower through with this. They harass me all the time. 
Leaving voicemail sending letters Having the NY State Higher Ed Service Corp call me
Product: Debt collection

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CREDIT CONTROL CORP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, XXXX, ON THE PUBLIC AND PRIVATE SIDE. Failure to provide such documentary evidence is a clear violation of XXXX XXXX XXXX ( a ) ( XXXX ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( XXXX ) because I have a right to privacy.
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 corrected : XXXX XXXX Balance : {$130000.00}, XXXX XXXX XXXX Balance : {$38000.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$36000.00}
Product: Credit card

This involves CitiCard dispute regarding a company called in XXXX, TX XXXX. 

Beginning in XX/XX/XXXX, XXXX outlined a list of deliverables to advertise the launch of my book, XXXX XXXX XXXX XXXX XXXX XXXX XXXX They charged me {$5000.00} and have not yet delivered on their promise. I have repeatedly asked for refunds and they keep giving me the runaround claiming that they will deliver. I requested a refund in XX/XX/XXXX, and XX/XX/XXXX. 

The most recent communication from XXXX was to attempt to convince me to turn over my log-in credentials for XXXX and XXXX XXXX XXXX XXXX claiming they wanted to provide additional support at no charge. This was a month after attempting to offer me another promotion costing {$1200.00} with the promise I could recoup some of the {$5000.00} because the new promotion would heighten the exposure of my book and increase sales. 

Now mind you, they have not completed the deliverables I paid {$5000.00} for and what they offered on the invoice contract. It was obvious to me that they were attempting to steal my personal and financial information. 

Rather than investigate, Citicard responded that they had no say so in how much a company charged me for services. I responded by saying that out of a list of XXXX deliverables, they gave me XXXX and no follow-up. 

I called CitiCard again in XXXX and XX/XX/XXXX and spoke to a real person who said they would escalate the matter. Nothing has happened and they continue to ignore me. I sent them XXXX pages of email communication between me and this company but Citicard chose not to help me pursue a refund. 

As of today, this issue has not been resolved. I asked the project manager at bookadvertisers to speak to their boss or company manager- and I have gotten no response. I do not believe this is a legitimate company, and that they are scamming self-published authors like me out of lots of money. I even filed a complaint with XXXX, TX Better Business Bureau because this company is listed in XXXX but not a member of the XXXX 

The project XXXX at XXXX is : XXXX XXXX and the person who sold me this contract is XXXX XXXX.
Product: Credit card or prepaid card

We called XXXX XXXX XXXX  on XX/XX/ for help. They promised they would show up in 30 minutes and insisted on prepayment of {$240.00}. Unbeknownst to us, they switched us to a know scam company XXXX XXXX XXXX who charged our card. Over the next 2 hours we called repeatedly and were told each time " 30 minutes '', but no one showed. Since I was stranded on the freeway late at night and a danger to others and me, the XXXX stopped and told me I had to have the car removed. He said he'd never heard of our Tow company and had the XXXX dispatch a tow truck, so we canceled our order. The XXXX which arrived in 21 minutes, changed the tire and inflated my spare. As they finished, a private vehicle with a XXXX XXXX decal showed up. The man ( inebriated ) said his buddy at XXXX called him to say he couldn't do the service and asked this man to show up instead ( just a private individual not employed by any tow company ). We have call and text logs, photos and testimonials of other customers similarly scammed. We received no service from XXXX, were put in danger by their inaction, and canceled the service before the person they passed us off on showed up. Wells Fargo violated their policies for handling disputes by failing to offer us an opportunity to respond to the merchants response or to provide any evidence to contradict. They did not inform us of any deadline to take further action ; later they relied on this secret deadline to deny further action. We simply got a letter summarily denying our claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on 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 accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again : 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 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, credit repair services, or other personal consumer reports

I sent a letter to Experian to see why they are reporting information to credit card companies that is not being reported to me. 

Both my credit cards and XXXX  report obtaining information from Experian that is not showing up on my credit report. 

They are being told that I have " Proportion of loan balances to loan amounts is too high ''. 

I received a notice back saying that I didn't provide enough information. 

When I called, I spoke to customer service, XXXX, XX/XX/2021 at XXXX am., she was rude and ignorant and told me that Experian will not explain why that is on my credit report ... and they will not explain why they randomly drop my credit score on XX/XX/2021 by 23 points. Instead of disclosing to my why that happened, they tell me I need to hire a third party to review my credit report to tell me as if I'm too stupid to see that the only thing that changed from last month to this is that I paid off a {$400.00} balance on a credit card. The fact that Experian is allow to abuse people and randomly with out explanation drop my credit score by 23 points should not be legal. 

So, in summary, Experian is giving info to credit card companies that is not on my credit report and not being shared with me and they are, without explanation, randomly dropping my credit score by more than 20 points. This has happened several times in the last year and should be criminal to cause harm to people to such an extent.
Product: Credit reporting

The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to XXXX. I am unsure of Equifax since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.