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

My credit score dropped more than 150 points for no apparent reason, giving me a score from good/excellent to poor. However, with the metrics that was showing, there were no delinquencies and all the factors that were considered high impact factors, I was doing well. 

The only negatives were the credit age, but that wouldn't or shouldn't justify a credit score drop, since when i had a good/excellent score, the credit age was properly reflected and there were no negative factors that could justify the drop. 

I've tried reaching out to the credit bureau and they couldn't explain to me on what is the reason. I was informed that the matter was being escalated. 

I then saw on the news that this has happened to Equifax ; that people were being affected by some glitch. 

There should be a way to dispute the credit score ; and the bureaus should be able to give tangible reasons ( not vague reasons ) as to why the score has dropped substantially.
Product: Debt collection

i never have a XXXX XXXX XXXX credit card in XX/XX/2010 XXXX XXXX XXXX put a collection on my credit bureau file i disputed it and they could not prove that the debt was mine so they remove it from my credit file now XXXX XXXX XXXX  put back the same debt on my credit bureau file i try to let XXXX XXXX XXXX  know that i never own any XXXX XXXX XXXX card but they reply that they bought the debt from XXXX XXXX XXXX and they are not going to remove it from my credit file i ask them for a contract or any papers that i sign up for a credit card with XXXX XXXX XXXX and they could not provided it so please asking CFPB to get XXXX XXXX to show some prove that i owe this debt of {$1000.00} if not please remove it from my credit file thanks very XXXX XXXX address XXXX XXXX XXXX XXXX mnXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, Equifax and XXXX they have verified that 'alledged account XXXX XXXX XXXX XXXX XXXX and it has a balance of XXXX. This account was sold to the collection agency XXXX, therefore how can it report a balance. I have disputed this account with the bureaus several times and they continue to report this inaccurate information.. 

Furthermore, I disputed this account with the collection agency as well. According to the FCBA and FACTA 312, and the FDCPA, the collection agency and or original creditor must be able to produce 1. complete payment history of the alleged amount/ verification line by line 2. date of last payment 3. charge off date 4. Contract/Agreement with signature 5. proof of photo identification 6. letter of sale or assignment from the seller/original creditor agreements states that debt are sold as is. ( the seller of the debt disclaims all representations and warranties regarding the accuracy of information they provide about individual debts. 

XXXX failed to provide this information, instead they sent an itemized bill and stated that they did NOT have a signature on file. This does not constitute validation and this information needs to be deleted off my credit report. 

Failure to delete this information will result in a lawsuit and a complaint with my state attorney general for failing to adhere to the FCRA, FDCPA, FCBA, and FACTA 312
Product: Credit card

I am writing to file a complaint against Navy FEERAL CREIT UNION regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with recent CFPB findings against. NAVY FEDERAL for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request and investigation into my account transactions,
Product: Debt collection

I have been advised that I owe this debt collector for {$460.00} the debt collector is Resurgent LVNV Funding I advised them that this is not my debt and that this was a result of someone impersonating and having my personal information. They insist that this is my debt and they were taking legal action and put me in collections with the credit bureau which they did. I disputed this many times with all three credit bureaus. They insist on calling me and threating me about this credit card debt. I refuse to have my name and my reputation severely scared as a result of this collection I have been doing all I can to fight this but they have effected my name, my credit worthiness and this is so humiliating. I have been fighting this since XX/XX/2020. The debt collectors information is listed below. 

Report Number XXXX Resurgent/LVNV Funding Account Number XXXX C/O XXXX XXXX XXXX  XXXX XXXX XXXX LVNV Funding LLC XXXX. XXXX XXXX XXXX, SC XXXX XXXX XXXX
Product: Debt collection

Had an old hospital bill for about {$1200.00} which I could n't pay at the time. I tried to make payment arrangements with XXXX XXXX Hospital but they would n't accept other than the full amount and they forwarded the account to Grant and Weber Collection agency.
Grant and Weber first started calling my work and leaving messages with my fellow employees which was embarrassing to say the least. The balance as been increasing and is now over {$3000.00}, I submitted a dispute through the credit bureaus and the only thing this caused was yet another increase of the balance. Please note the original debt to XXXX XXXX Hospital is over 5 years old. I do n't have any of the original documents from them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated a my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 98. % purpose.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Goldman Sachs, the issuer of the Apple Credit Card, regarding a billing dispute and the lack of resolution despite multiple attempts to address the issue. Below are the details of my complaint : Summary of the Issue : On XX/XX/year>, and XX/XX/year>, my XXXX account was debited three times for the same amount of {$440.00}. Recognizing these as duplicate charges, I contacted XXXX and had the two duplicate ACH debits canceled. However, on XX/XX/year>, Goldman Sachs recharged my Apple Card two additional amounts of {$440.00} ( totaling {$890.00} ), which were unauthorized and unwarranted. 

Attempts to Resolve the Issue : XX/XX/year> : I contacted Goldman Sachs Apple Card customer care via phone to report the issue. 
XX/XX/year> : I followed up through their in-app messaging system. Their response included the following : " I understand this situation can be upsetting for multiple payments to be made to your Apple Card through your XXXX bank. The payments have been revoked and they were likely made in the XXXXXXXX XXXX or via a phone call. However, I can assist with creating a case and have a supervisor reach out to you within 10 business days via email. '' Despite this assurance, I received no follow-up or resolution from Goldman Sachs within the promised 10-business-day timeframe. 
XX/XX/year> : Concerned that the payment was due on the same day, I contacted their customer service again. This time, I spoke with a supervisor named XXXX, who responded : " I understand your concerns, this has been escalated for you, and I can assure you everything will be evaluated to make sure your account is in good standings. You will receive a call or email in regards to a response of this escalation. If you don't answer, they will leave a voicemail. '' Unfortunately, as of XX/XX/year>, it has been exactly one month, and I have yet to receive any communication from Goldman Sachs regarding the escalation or my dispute. 

Concerns and Impact : Double Charges : I have been overcharged a total of {$890.00}, which remains unresolved. 
Failure to Address Complaint : Goldman Sachs has failed to honor its commitment to follow up within 10 business days. 
Lack of Customer Support : Despite my multiple attempts to resolve the issue, I have been met with repeated delays, vague assurances, and no tangible action. 
Emotional and Time Strain : This experience has caused significant frustration, wasted time, and unnecessary stress. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccurate items on my credit report. Along with disputing these items, I also requested the correction of incorrect personal information listed on my report. To facilitate this process, I included copies of my government-issued ID, Social Security card , and proof of address to verify my identity.

Despite my efforts to provide all necessary documentation, I have not received any response from Equifax. This lack of response suggests that Equifax has failed to conduct a reasonable reinvestigation of the disputed information as required by the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. By not responding to my dispute, Equifax appears to have violated my consumer rights as outlined in the FCRA.

I request that the Consumer Financial Protection Bureau ( CFPB ) take action to resolve this issue and Investigate Equifax 's failure to respond to my dispute.
Product: Debt collection

The property provided an invalid amount. The property offered me to move out and not report the balance. The balance included invalid charges and incorrect ledger charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX SERVICES XXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting

I have never been associated with any company named XXXX XXXX as reported in my employment data.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an a account that belongs to me. I also would like to add that I went on licensing database XXXX and noticed that WAKEFIELD & ASSOCIATES does not have a license to collect debt in the state of Georgia which is the state that I reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA
Product: Student loan

I have XXXX small loans that have been transferred to Navient in XX/XX/XXXX. The cumulative value of my monthly payments was the cumulative value of all loans due monthly. For the last six months Navient randomly started applying my payments to only XXXX of the loans while assessing " late fees '' on the rest. Telling me by XX/XX/XXXX I was {$1300.00} " past due '' and receiving " past due '' notices. I made a substantial payment in XX/XX/XXXX and still, " past due '' over {$1300.00}. They blamed my bank and bank 's bill pay feature, which is bogus. They " reallocated '' my XX/XX/XXXX payments, provided a NEW ACCOUNT NUMBER ( not the one on their website ) to me to use for XXXX of the XXXX of my loans ... I 've cancelled email statements because I want all their lies in writing now and I 'm closely monitoring to see if any " late fees '' are actually assessed XX/XX/XXXX-XX/XX/XXXX as I will dispute them.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the tair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hereby formally dispute any unsubstantiated or inaccurately documented information on my credit report in compliance with the FCRA and XXXX XXXX reporting standards. Allegations lacking factual proof, particularly those of delinquency and derogatory nature, are contested per legal mandates for precise reporting. Claims must adhere to the law and regulations. I kindly request verifiable evidence supporting the account 's validity and its permissible use. Should these criteria not be met, I request the removal of said information from my report and authorize the mailing of physical documentation regarding your actions and my updated credit report. Your cooperation is appreciated. 

XXXX XXXX XXXX XXXXXXXX You are bound by the FCRA laws to respond to my requests in 30 days - I would recommend a response with the written method of verification and documentation. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXX XXXX XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit card

I tried a couple of months ago to get the daily APR reduced on my Chase credit card because the fees equaled a monthly credit card payment. No luck. Skip forward to today, I fell behind two months and absorbed a tremendous amount of interest plus late fees. I talked to a service representative on XX/XX/2023 and he got the two months of late fees reversed but he said the request to get the interest fees reversed were declined. I checked my account this morning and found that a little amount of interest had been reversed. I have been told that interest charges can not be reversed or refunded but that is a lie. Chase is one of the worst banks to work with and should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i filled an online dispute # XXXX with XXXX that was incorrect also with Trans Union dispute # XXXX and XXXX  dispute # XXXX please have it removed.
Product: Credit card or prepaid card

I went over the limit on my credit card by mistake. I paid extra XXXX bucks added to my monthly payment of XXXX then I turned around and paid additonal XXXX to bring the account down. they keep charging me XXXX fee for something i already paid for causing my balance to go negative for more than amount owed. 
They also implemented automatic deduction, I never agreed to that. 
What they did is try to deduct {$60.00} 2x ( from which I already ) Paid. Since bank returned, because I called bank and refuse to pay what I already paid. Then they add an additonal XXXX buck to my credit limit because it looks like I didn't pay and each time I try work with these people, either, I'm discounted by them or have to hang out and wait for then to response. I just want the bogus XXXX removed from my credit line and deleted as it supposed to be, especially since I paid extra! These companies are rippig us off.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity information abuse and theft for over 10 years. I have contacted the XXXX  major credit bureaus several times in an effort to remove fraudulent information and accounts, without success. These fraudulent account should be immediately removed according to federal credit reporting laws.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX # XXXX,. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

On XX/XX/XXXX went to XXXX ATM in XXXX and tried to take XXXX at the drive thrw said transaction declined and than went inside to ATM and tried to take XXXX in front of clerk at the XXXX XXXX. He told me to go to teller and I was told by teller I have to file a complaint with ATM not bank of America I lost XXXX going to the bank today and I may not have access for 129 days. Boa has also put fraud alerts on my account 22 times. I have been a customer since XXXX. I want to close account immediately but bank teller said I may never get my XXXX back if I do. Please help me expedite this because I had bills to pay that day
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ).