23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

apple card and all three major credit bureaus have been reporting negative and incorrect info to my credit report on XXXX, I sent applecard gs Bank a letter stating multiple concerns about my report. 
I informed them that they were reporting negative information that was not accurate. I asked the company to provide proof of any debt I owed them and that the information they reported was correct. I also requested Apple Card GS Bank provide the method and source used to verify and ensure that the debt they reported was true and accurate. I stated in my letter that if they could not do so, I would like to opt out of all reporting to all credit bureaus and for them to delete the account from my consumer profile. I sent a letter via certified mail, which had a return card signed by the Apple card recipient on XX/XX/XXXX, XXXX apple card G.S. bank never responded to my letter that they received, therefore failing to validate the debt and provide proof that the information was accurate. Apple Card 's willful negligence has had an extreme impact on my financial affairs. 

I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Apple 's bank is a financial institution by definition under that title. 
. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Apple card, GS BANK, and the Consumer reporting agencies XXXX and XXXX do not consent to furnish this information, and G.S. Bank USA does not have my written permission. 

Given Apple Card 's failure to respond, I am formally requesting the CFPB to enforce my consumer rights and safeguard my privacy. As per the Fair Credit Reporting Act, Apple Card is obligated to delete this account. I am also reiterating my request to opt out of all reporting by Apple Card GS Bank to all credit bureaus and to have the account removed from all three major credit bureaus, as they have not validated the debt or provided any proof of the information 's accuracy.
Product: Debt collection

I called and ask for a break down of my payment each month I pay the debt and the amount I owe never changes it was a car loan that I already paid intrest on now they are charging more interest
Product: Credit reporting or other personal consumer reports

TransUnion reported information about a dismissed bankruptcy on my credit report which reads {$0.00} and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house stated they never shared any information with any credit report agencies. They also mentioned that they do not ever report to the credit bureaus. It has been on my credit report since XX/XX/2022 TransUnion has failed to provide adequate information on how these items were verified, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX Balance {$46000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

According to my credit report through XXXX XXXX it states my MOHELA/DOFED account number has changed. These loans were forgiven back in XXXX and I can not login to the MOHELA website to see any information, they say I don't have an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit account shows incorrect information listed. This ACCOUNT shows PAID in full. please can u help REMOVE this account from my CREDIT REPORTS Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a Consumer, have been a victim of the Equifax data breach, and have been recently affected by the false and inaccurate information on my credit report. Pursuant to 15 U.S. Code 1681 ( b ) I demand that my consumer report accurately reflect proper information. I have previously disputed the inaccurate accounts reported by Equifax in collections as of XX/XX/2022 from XXXX XXXX XXXX in the amount of {$1600.00} and XXXX XXXX XXXX in the amount of {$800.00} which are also reported as closed but have not been removed and are still reflected on my consumer credit report. There are two inaccurate charged off accounts with XXXX XXXX XXXX in the amount of {$800.00} and XXXX XXXX in the amount of {$570.00} reflecting which I have also previously disputed with Equifax. There are also inaccurate addresses reflecting that I did not consent to. These inaccurate reports have been damaging to my reputation and confidence as a Consumer. Equifax has failed to exercise their grave responsibilities in assembling and evaluating consumer credit and other information on consumers with fairness, impartiality, and a respect for the consumers right to privacy. There are numerous soft inquiries inaccurately reported that I did not give Equifax permission to furnish on my report and directly violates my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. XXXX claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you XXXX  claimed XXXX  verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This Account is closed and is reporting incorrectly. 

For that reason, it should be removed immediately. 

I have tried to get this account removed because it is Closed. It isreporting incorrectly across all credit reporting agencies. This violates the credit protection act and calls for removal right away. 

Reporting Balanced Updated XXXX XXXXXXXX, XXXX on XXXX & Trans union Then reporting Balance update XX/XX/XXXX on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was told to consolidate which was n't best thing to do do as it increased amount of initial loan amount I was told to use forbearance as I could n't pay full amount of payments as I have XXXX and can only work parttime I have tried to get income based repayment plan started but I keep being told my information does n't match federal records. I will call on that again as my sign in information allows me to view student loans but I am told it does n't match records when I try to do anything by phone.
Product: Credit reporting or other personal consumer reports

I've submitted multiple letters to the company regarding these issues, but there has been no resolution. Despite XXXX XXXX advising the company to remove the bankruptcy from my credit report, the company insists that the information is accurate. They verify it with XXXX XXXX, while XXXX XXXX asserts that it's incorrect. Each company received the attached letter from XXXX XXXX the only company respond and removed the incorrect data is XXXX.
Product: Mortgage

My loan fell behind XXXX months because of a job change, I was attempting to make a payment over the phone. I have money coming in XX/XX/XXXX and I explained to the company I wanted to make XXXX payment on Friday XX/XX/XXXX. They refused to take my full month 's payment unless I agreed to pay for XXXX months worth that was predated. This company, U.S bank XXXX mortgage is clearly violating UDAAP provisions because I 'd still be taking credit damage and late fees in spite of making payment arangements, which is undue financial damage to me.
Product: Credit card

This letter is regarding XXXX Citi Cards Card XXXX : XXXX Card XXXX : XXXX A charge was report mistakenly as Fraud on XXXX/XXXX/XXXX. This charge paid a vendor called XXXX *XXXX under Card XXXX on XXXX XXXX, XXXX for {$1200.00} Citi Bank cancelled/closed Card XXXX and Issued Card XXXX. 

During the cancelation/closing period of Card XXXX, the vendor XXXX did returned the charges to Card XXXX for a credit of ( XXXX ) Attached please see the Transaction ID XXXX from XXXX on XXXX/XXXX/XXXX. This is confirmation that XXXX did refund Citi bank for the charge dated on XXXX XXXX, XXXX for {$1200.00} As soon as I received Card XXXX, I had to pay for the services of XXXX for {$1200.00} This took place on XXXX/XXXX/XXXX Payment to Citi Bank was issue under the following for the charges of Card XXXX for {$1.00} charges made on XXXX/XXXX/XXXX : XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$220.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$500.00} paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$1200.00} Why is Citi Bank not acknowledging the credit issued to them on XX/XX/XXXX.Transaction ID XXXX from XXXX ? 

Why am I being charge twice? 

Do I need legal counsel to correct a mistake Citi Bank has made on my credit? 

Did Citi Bank provided XXXX payment to XXXX. Why? or you ca n't find the returned from the vendor. Where was this credit posted to. 

Is this a case of XXXX? XXXX Florida XXXX XXXX that helps XXXX people with company as such Citi Bank. 

Do I need to report Citi Bank to the XXXX? 

Govern yourself accordingly and do your duties in locating Transaction ID XXXX from XXXX returning ( XXXX ). 

Thank you, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We had some problem in  XXXX  due to financial difficulties, however, since then, we have been paying the mortgage on time. In  XXXX   XXXX , we filed for chapter  XXXX  temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter  XXXX  bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since  XXXX  of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.
Product: Vehicle loan or lease

I had taken out a loan for a two behind equipment trailer. At the time of the loan I was told ( over the phone ) I would be billed XXXX XXXX for insurance. I told them I already had insurance and they ( XXXX ) told me to just email him the insurance card and he would remove it. I emailed him the same or next day and he even responded acknowledging the receipt of the document. Because this was a paperless automatic bank transfer loan I never really know what all the chargers were. For 20 months they billed me the additional {$39.00} per month until I realized it was for insurance. I made them aware and they had me resend the information. They are now only crediting me with 6 months of reimbursement rather than the full 20 months I was over changed. I had given them ALL of the information they needed but they are refusing the reimbursement of the remaining amount and have actually only refund a partial amount of the 6 months as promised. They refunded {$190.00} of the {$230.00} they said they would refund. So they still owe me a total of {$600.00}. 

They are claiming that the contract states 6 months and I agreed to the contract. My argument is I obviously ( proof by sending the agent the info he told me to and him acknowledging it ) thought that in sending him the information he told me to is that the insurance charge would be removed as that is what he stated would happen. I was told one thing and another happened. Bait and switch so that they can sell more insurance policies and get even more money out of the consumer. 

Attached is additional evidence has been found from XXXX stating that, on XX/XX/XXXX, the amount that they would be drawing via ETF was correct at $ XXXX. At some point they changed it without my approval.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint # CFPB XXXX Regarding Erroneous Reporting to Equifax and XXXX Dear CFPB, I am writing to follow up on a report I submitted to you on XX/XX/year>, under complaint number CFPB XXXX. The complaint detailed erroneous reporting of an account associated with my social security number ending in XXXX to the credit bureaus Equifax and XXXX. I would like to address a serious issue with the investigation process and request further action regarding this matter. 

According to my original complaint, XXXX XXXX is erroneously reporting an account under my name and social security number, even though I have no knowledge of this account and it does not belong to me. After submitting my complaint, I was informed that a verification process was conducted, which confirmed the account as valid. However, this verification appears to be based on an erroneous or fraudulent investigation, as I have no such account. 

In addition, when the CFPB reached out to XXXX XXXX, they responded by stating that the account does not belong to me. If this is indeed the case, I fail to understand why the account is still being reported to both Equifax and XXXX under my name. Despite this clarification from XXXX XXXX, the account remains on my credit reports, which is damaging my credit and causing me unnecessary distress. 

I believe the current situation is a result of incorrect or negligent handling of the issue, and I request that the erroneous account be deleted from my credit reports with immediate effect. It is vital that accurate information is reported, and I believe XXXX XXXX has failed in its duty to correct the mistake. 

As a result of this ongoing issue, I am considering pursuing a consumer civil suit against XXXX XXXX for the damage caused to my credit and for failing to remove the fraudulent account after acknowledging the error. 

Please advise me on the next steps I should take in order to resolve this matter. I am seeking a prompt resolution and would appreciate your assistance in ensuring the erroneous reporting is corrected and removed from my credit reports. 

Thank you for your attention to this matter.
Product: Checking or savings account

I filed a claim ( claim ID : XXXX & claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX 2 XXXX ) that was cancelled because of not having a valid ID. 

I paid {$1800.00} plus a {$16.00} ; and {$1600.00} plus a {$16.00} service fee to XXXX, and received no service.
Product: Debt collection

First Federal Credit Control , Inc, is attempting to collect an amount of {$350.00} on behalf of XXXX XXXX XXXX XXXX First Federal has made no attempt to determine the validity of said claim and has threatened to submit a negative report to the credit agencies. I have notified First Federal of the bogus nature of this claim, but they persist in their collection process.
Product: Debt collection

On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Trident AM, LLC. I immediately notified Trident that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt. On XX/XX/2021 Trident once again reported this disputed third-party debt in violation of FDCPA. On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Trident pursuant to my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. How can you it was verified? I am telling you that these BANKRUPTCIES are not mine! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

Not to long ago I went to get a Western Union payment, for some reason they told me I was not able to get it. Due to to many money transactions with western Union and XXXX XXXX.
Product: Credit card

Complaint Regarding Inaccurate Available Credit Date of Incident : XX/XX/year> Company Involved : Capital One Description of Issue : On XX/XX/year>, I paid my Capital One credit card XXXX in full. Specifically {$480.00}. This payment has cleared and been deducted from my checking account. However, Capital One has not yet reflected this payment on my account, resulting in inaccurate available credit information. This prevents me from using my card. 

Actions Taken : I contacted Capital One by phone on XX/XX/year>, and spoke with a representative regarding the issue. I informed them that if the available credit is not updated promptly after the payment clears, I would be forced to take further action. 

Please Note : I have not yet filed a dispute with my bank regarding this issue. 
I am hopeful this can be resolved without involving law enforcement.
Product: Checking or savings account

I opened a checking and a saving account at citibank in XX/XX/XXXX and funded both accounts. With no explanation or communication, citi blocked my access to my funds. After numerous calls, the reason ( still not made clear to me ) is they speculated there's some sort of fraud associated with how the account application was from two addresses. I receive mail at two homes, which can not be that uncommon. 

I've spent HOURS and called citi over two dozen times in the past 6 months, trying to satisfy odd requests for documentation, receiving no communication whatsoever from citi after their review of the documentation. 

Finally, on XX/XX/XXXX I again called and was told " the accounts were being processed for closure. '' I confirmed that the check was to be mailed to one of my addresses. On XX/XX/XXXX having not received the check I called again and was then told it might take up to 30 days to receive the check. 

On XX/XX/XXXX, I called again and was told the accounts were STILL being processed for closure, but now they told me it would take 30 to 60 days! 

It is XX/XX/XXXX and now over 60 days from when they said they were closing the accounts and still I have no check. The accounts are still blocked. The funds are still in the accounts and I can not get access to my own money. It is tantamount to theft that citi has MY money and will not release it.