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

I have I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Product: Credit card

Recently I XXXX XXXX applied for an Apple card and was denied an extension of credit by Apple. On XXXX XXXX, I applied for a Apple Credit Card with Goldman Sachs. 

As you may be aware, it os against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) Apple and Goldman Sachs has violated my federally protected rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Debt collection

I was Sent A letter of debt by Eastern Account Systems Of Connecticut , INC. who stated the were representing XXXX to collect a debt. 

The debt Stated was {$280.00}. 

Since I do not owe XXXX that amount of money I send a debt verification letter to Eastern Account Systems Of Connecticut, INC.On XX/XX/scrub>, 2025 requesting a breakdown of the debt and the amount owed, proof that the creditor is licensed to collect this debt in the state of Illinois and to cease or remove all reportings of debt to any credit agencies until this information is provided. 

I was e-mailed in response to my debt verfication letter on XX/XX/scrub> 2025 with just a copy of the orginal debt. No other information was provided. 

On XX/XX/scrub> 2025 I received a letter from Eastern Account Systems Of Connecticut, INC. in the mail stating that since I didn't not send a letter to verify this debt I am accepting it and they have sent it to the credit agencies.
Product: Credit card or prepaid card

I applied a gold delta skymiles credit card from American Express on XX/XX/XXXX. The offer is in 3 months spend XXXX  dollars will offer XXXX  skymiles points. Spend on delta air will give XXXX  dollars statement credit.

I spent XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. And was waiting for the skymiles points, they didnt give me the points. Till XX/XX/XXXX I talked with the assistant online. They set up a case for me. After this, I asked and talked with them 4-5 times, they gave me same answer the case is investigating, wait till next statement. 
Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

Experian after myself filling multiple disputes most recently report # XXXX for XX/XX/year> has completed no investigation to verify and if not delete information contained in report. They have continuously resent same report even after I have submitted documentation as it relates to identity theft, US codes related directly to issues in my report and provided 2 forms of identification they still failed to do a proper investigation which is willful noncompliance according to 15-USC 1681n . Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- {$1000.00} per FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began aggressively disputing the below accounts since XX/XX/XXXX when I noticed they was charged off. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX ( FOUR ACCOUNTS ) XXXX 5 ) XXXX XXXX XXXX ( been disputing since XX/XX/XXXX) XXXX My initial dispute online was I no longer had a valid contract with the companies and the accounts needed to be deleted because with the charge off the company had wrote off the debt and sold the debt to a 3rd party therefore it wasnt a valid contract with the them anymore and was legally now considered inaccurate reporting. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud and 3 ) changed the status of the account from charged off and closed to charged off and open. None of which addressed my complaint. <P/>Because of their response, although neither of which was my complaint, I then sent TWO letters ( XXXX and XXXX XXXX ) asking for validation for the debt since they were stating it was a verified debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account. I was even told my dispute was frivolous. Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT THAT DIDNT HAVE A VALID CONTRACT. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. I have sent in identity theft report ( as required by the bureau ), yet no one has deleted these accounts when I have proven they are not mine nor can a simple contract with my signature be given to me. <P/>Inaccurate reporting is occurring because : 1 ) Since the bureau assist on the validity of the account, the charged off account no longer has a valid contract and the credit bureau cant furnish evidence of such valid contract and it is 90 days into the investigation. 2 ) The original creditor has sold or transferred the debt to a collection agency, but a past due amount is still reporting, which is illegal according to FCRA rules. 3 ) The bureau claimed to have investigated the validity of the account ( something they initiated and I followed up on ), but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Product: Debt collection

This is what happened : XXXX XXXX Superior Court mistakenly sent my traffic violation debt to Alliance Once collection agency. I completed community service hours and verified them with the Court in XXXX of XXXX, which satisfied the debt directly with the Court. I do not owe any debt for this traffic violation. 

Alliance One has been attempting to collect this debt from me beginning in XX/XX/XXXX. I informed them during a phone call in XX/XX/XXXX that I already satisfied the debt directly with XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Alliance One has refused to officially verify this debt. Alliance One has refused to contact XXXX XXXX XXXX XXXX to verify if I owe this debt or not. Alliance One has wrongfully intercepted my state tax refund, in the amount of {$170.00}, in an attempt to collect this debt.
Product: Checking or savings account

We recently opened a Capital One checking account because our son as their XXXX-focused account and we wanted easier transfers. On XX/XX/22, my husband used the account to purchase ammunition or his hunting rifle online. Later that day, our debit cards started being declined and flagged for " card fraud '' every time we tried to use them. The first time was at our local XXXX, where we had previously used the card without issue. I contacted customer service, and they said they would place a fraud exclusion for the transaction type so it would not happen again. On XX/XX/22, my son tried to take money out of his account at a local ATM ; it was declined and flagged for card fraud. He followed the instructions to legitimize the transaction through the texts ; it indicated that the problem was resolved, but when he tried again, it declined again for card fraud. I then tried to use my card to withdraw funds ; it declined as well. I followed the text and in-app instructions to fix the problem and tried to use it at the pump to get gas ; it declined again. I then contacted customer service again and was told they would again play a fraud exclusion on it. However, when I tried to get gas an hour later, it declined again. I then tried to use it at the XXXX where a fraud exclusion had specifically been placed ; it declined again. We have not been able to access our money since my husband purchased ammo, despite repeated customer service contacts and attempts to escalate the issue. We can not get our money or buy goods and services, and we can not get help from the company.
Product: Debt collection

I felt this lender was taking advantage of me and the situation, while threatening me to hurt my credit by reporting the appraisal charge to collections when the deal didn't go through. 

I was never given a link or any form of Payment form before he ordered it. Seller failed to perform and had to cancel the deal, then he started harassing me for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Debt collection

Debt was due to a Doctor visit in XXXX. Debt was believed to have been paid in the full amount and we never received any other information regarding payment. That is, until summer XXXX we received a letter informing us we were now in debt collections and needed to pay this amount. We were very surprised but it was an insignificant amount so we paid to clear our debt history. Another year has passed, now in early XXXX and we decided to refinance our home. As we go through the process it is found that we are again in debt collection, this time for {$50.00}. Again, I have paid to clear this debt. All of this is still stemming back to the original XXXX doctor visit. Notice, we have received no information about this debt whatsoever, by phone or mail to our address. I only now found it because of the refinance while it has sat on our credit report for nearly 2 years. This has undoubtedly and unnecessarily damaged my credit. I can only hope it does not affect my homes refinance, as it will cost me upwards of {$70000.00} because of a {$50.00} charge that should've been fulfilled years ago.
Product: Checking or savings account

I reported to Capital One that I had these unauthorized charges on my debit card : 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 I reported these unauthorized charges to Capital One on XX/XX/XXXX. I was given temporary credit while they investigated my disputed transactions. 

On XX/XX/XXXX Capital One denied my claim. 

On XX/XX/XXXX, Capital One reversed my credit they had given me while investigating. 

I called Capital One on XX/XX/XXXX to understand why there was a credit reversal and they told me they had made the decision that these charges were not unauthorized. I asked them to give me more info about where the charges were from or how I could contact the places that had charged me. I asked them if they could give me a location of the places so I could confirm if I had ever been there. The names of the places that made the unauthorized charges were very generic like " STORE, XXXX XXXX, and XXXX XXXX XXXX XXXX ( Places I've never heard of or been to before ). I reviewed the days that the charges had been made and was able to confirm that I did not purchase anything for the charged amounts. I believe the places were named in a way that allowed Capital One to ignore that these charges were actually fraudulent by being named very generically and having a name that corresponds to a place in my general area, like ( XXXX XXXX or XXXX XXXX ). I've never been to an area called XXXX XXXX and I live in the city of XXXX. Others were just named " XXXX  '' or " XXXX XXXX XXXX XXXX', giving no info to be able to identify where the charges were made or what they were for. 

On XX/XX/XXXX, I requested the documents Capital One used to make their decision about my dispute and to reopen my dispute as it was unjust and I did not authorize the charges above. The request was denied.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I found incorrect accounts on my credit report this morning and cant figure out why theyre there. I check my credit report regularly, but this time there were sudden inconsistencies. I refreshed my browser thinking it might be a minor issue, but the errors didnt disappear. Therefore, Im asking for a detailed review of the documents I sent to make sure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX  DAYS LATE XXXX  XXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

Equifax has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX : XXXX XXXX : XXXX DAYS LATE XXXX XXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING
Product: Checking or savings account

I opened an account with SoFi to take advantage of the promotion they were running. 
This took place end of XX/XX/year> and the promotion involved a direct deposit of {$5000.00} which would give a {$300.00} bonus by the bank if it was deposited in the first 25 days of opening. 
I had no issue opening the account, linking my account using verified deposits from my account from XXXX and sending a XXXX transfer. 
For the first few days there was no issue, I was able to login to my SoFi account and I verified the deposit from XXXX had been completed. 
After that I left for a one month long trip to XXXX. This took place the last week of XXXX. 
A couple of days later, early XXXX, I receive an email from SoFi that there was some suspicious activity on my account and it has been restricted, asking me to call them. 
As I was travelling I and had limited access to the internet and cellphone coverage, I was not able to call them for about 7 days but I had confirmed that the login was locked and I couldn't access my account anymore. 
I was able to call them around XX/XX/XXXX. During the call I was informed that there was some suspicious activity that they did not disclose, and the decision had been made for the account to be closed. 
This is a little annoying, but it had happened in the past with other banks and there was never an issue. In the end of the day if the bank doesn't want my business, I'll go elsewhere. 
BUT, what IS a big issue is what happened with the $ XXXX that I had deposited. Basically what has happened, is that since XX/XX/XXXX, the bank promised to return the funds in the originator, which is totally fine, if they followed through. But, no money has been returned to my XXXX account since. 
I have called them at least 5 times since XXXX and I am getting the same response, that they'll escalate to the fraud team, which never happens. 
When I ask them how do they feel it's OK to keep my money hostage for months and provide no feedback their response is and I quote : " It's not your money ''. Which is ridiculous. 
I can easily prove it's my money and I am sure they can easily confirm with XXXX if they want to that it is, but in the end of the day if they just follow through what their promise to return the funds to the originator, which is me, I am totally fine with that. 
Since then I have found a lot of similar complains about SoFI online with people going through the same experience. 
I can not understand how a bank institution is keeping people 's money hostage and no legal action has been taken against them.
Product: Credit card or prepaid card

XX/XX/2019 I called cash app to this customer service number : XXXX because I sent money to the wrong person ( {$20.00} ) so I was trying to get that money back, when I called them they asked me to download an app ( viewer quick support ) through that app he ( XXXX ) got into my cellphone. Once he got into it ( my phone ) he asked me to verify my account by taking pictures of my id, debit card and my face. Then he said that " he was going to send me the {$20.00} that I had sent to the wrong person in order to end the verification process '' He ended up sending me {$200.00} accidently instead of the {$20.00} and it " failed ''. So he asked me to go to the store and buy a XXXX gift car of {$200.00} and give him the code in the back which I did and as soon I gave him the code he hung up the phone and when I tried calling back claiming to him, he kept hanging the phone up. I went to my best friends house so she could try calling for me since het english is better than mine. They ended up saying a lot of profanities. I still have the ebay card and the receipt just in case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent letters requesting verification of debt to XXXX XXXX XXXX in XXXX, TN immediately after noticing the new collection on my account. XXXX XXXX XXXX sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Transunion with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Transunion send me the documentation that was sent that convinced them to verify the debt. Transunion responded by telling me that they could not and to speak with the company directly, which I have done for almost two years now. XXXX and XXXX  was unable to verify the collection so it was immediately removed. However, Transunion refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.
Product: Bank account or service

I am Wells Fargo Customer Since XX/XX/XXXX and I always doing my banking with your bank. But today I had bad customer service experienceOn XX/XX/XXXX Monday around XXXX I went Wells Fargo Branch Located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( LAECHMONT VILLAGE ) get some foreign currency due to my travel for XXXX on XX/XX/XXXX when I enter your bank inside I asked XXXX ( assistant Manager Name tag on it ) I need get some foreign currency XXXX .He said unfortunately we are not issuing foreign currency after XXXX. I asked him is not possible and before I come I check with your customer service and they confirm you will able to get it done before XXXX.Afeter I saying that he went to asked counter and said for me I have {$300.00} worth of XXXX. So I said let me have that one at least. He refused to give me and he said this for tomorrow customers. After that {$700.00} I deposited via ATM machine and went home. 
he treated me very unprofessional. I feel like I been discriminates which against my race, color national origin .And also he not fully committed to providing your clients with service that is respectful and responsive. 
Please look in to this and please advise the above bank provides good customer service and it wont happened any other customers.