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

I am a victim of identity theft, and fraudulent accounts have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I provided the credit bureaus with an FTC Identity Theft Report ( # XXXX ), which legally requires them to block and remove these fraudulent accounts from my credit file. 

Despite submitting my dispute with supporting documents, the credit bureau has failed to properly investigate and remove these fraudulent accounts within the XXXX period mandated by XXXX XXXX. XXXX. These fraudulent accounts are negatively affecting my XXXX XXXX and financial well-being. 

The following accounts were fraudulently opened and reported under my name : XXXX XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Account # XXXX Amount : {$490.00} XXXX XXXX XXXX Account # XXXX Amount : {$1000.00} XXXX  XXXX XXXX Account # XXXX Amount : {$22.00} Acceptance Now Account # XXXX Amount : {$2700.00} The credit bureaus are violating the FCRA ( 15 U.S.C. 1681c-2, 1681i ( a ) ( 5 ) ( D ), and 1681s-2 ( a ) ( 6 ) ), which require them to : Block and delete fraudulent information upon receiving my identity theft report ( 15 U.S.C. 1681c-2 ) Notify other credit bureaus of the deletions to prevent reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Prevent creditors from continuing to report fraudulent accounts ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I am requesting an immediate correction of my credit report and the removal of these fraudulent accounts. I demand that the credit bureau comply with the FCRA and delete this information from my file immediately.
Product: Credit card

On XX/XX/XXXX, I stopped at a cash station in XXXX. All gas pumps are full-service in that of XXXX. The service attendant pumped my gas. I handed him my credit card and then I drove off. I got a notification on my phone for 2 charges, one for {$88.00} and 1 minute later, a charge for {$600.00}. 

I immediately reported the transaction as fraudulent to Apple Card & Goldman Sachs through the Apple Wallet App. 

A couple months later, the charge reappeared on my card. The email from Goldman Sachs said : " '' '' Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim " '' '' The transaction for {$600.00} happened at XXXX by a payment merchant " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ''. This merchant is reported on internet as being involved in credit card scams. 

XXXX XXXX XXXXXXXX There is no way that I bought {$600.00} worth of " food & drink '' at XXXX and then one minute later paid for {$88.00} of gasoline ( which would take 3-5 minutes to pump ). It's simply impossible. 

What is possible is that the gas attendant had a second payment terminal and he quickly charged my card {$600.00} on one terminal and then charged my gas fee to another terminal without me seeing. 

A quick glance at the timeline, the merchant names makes this fairly clear. However, Goldman refuses to acknowledge this. Instead they cite no evidence as their evidence. 

Since then, I have called and spent hours on the phone disputing the charge with Apple and Goldman Sachs. Their customer service department is useless, they can not access the case or provide any details, when I ask to speak to the fraud department or the case investigator, they say I can not. They say they can not provide any information as to why the dispute was reverted. 

Timeline : XX/XX/year> : Initial fraudulent charge XX/XX/year> : Goldman reverts the dispute. I submit the claim again. 
XX/XX/year> : Goldman reverts the dispute. I submit the claim again. 
XX/XX/year> : Goldman reverts the dispute. I submit the claim again. 
XX/XX/year> : Goldman reverts the dispute. I submit the claim again. 

The first time, they asked for no evidence, they said they'd fix it. They issued me a new physical card as well. 

Every time since, they've said they should have asked for evidence the first time but because they didnt, now they say they need evidence. 

I've had multiple credits cards for the past 20 years, NEVER, have I ever had any issues like this. The handful of times I've seen fraudulent charges on my card, I've reported them and the card issuer fixed it. My experience with Apple Card + Goldman Sachs has been shocking. 

I saw this lawsuit was charged against them, clearly I'm not the only one facing this mess XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The funds that Rushmore Services took out of my account was not authorized and an unplanned expense. They placed my mortgage on Foreclosure in XXXX ; They transferred my mortgage to XXXX XXXX on XX/XX/2024. I have proof that the funds were debited from my account in the amount of {$870.00} on XX/XX/2024. I visited my bank on Thursday XX/XX/2024 and they stated I had to contact Rushmore Servicing since I had previous relationship to the Financial Servicing. I contacted Rushmore Customer Service on XX/XX/2024 and Loss Mitigation on XX/XX/2024 ( XXXX ). They did not have information on the amount debited and they refused to give me any information because of the status of my account. I contacted XXXX XXXX on XX/XX/2024, they have no record of this payment toward my Mortgage.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to correct inaccurate information regarding late payment reported on my credit report for account XXXX. 
Despite several requests for correction ( letters dated XXXX XXXX ) and ( XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
OnXX/XX/2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative 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: Student loan

On XX/XX/XXXX, I spoke to the following Chase representatives : XXXX ( Call Center Rep ) XXXX ( Unit Manager - Retail Banking ) XXXX ( Call Center Rep ) I contacted Chase Bank in regards to my student loans that were sold to XXXX in XXXX. According to XXXX, the promissory note provided from Chase does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Chase Bank 's Archives department and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as XXXX sold my student loans to XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.
Product: Mortgage

I did complain to US Bank via XXXX file # XXXX I did complain on why US Bank failed to disclose that they are charging to remove escrow and as of today all they have responded is copy of the recorded note with deed of trust. The person at US Bank didn't even want to mention his last name and contact number on cover letter. He only signed his name is XXXX XXXX- I have tried number of times contacting them and all they are telling me is that if I pay 0.025 % point on balance of my loan they will remove escrow. All I want to see is a signed disclosure by me agreeing to this.
Product: Credit reporting or other personal consumer reports

Dear Transunion, This Collections Account XXXX is XXXX. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide 100 % Accuracy. 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE THIS ACCOUNT.
Product: Credit card

I purchased some goods online on XX/XX/XXXX with order number XXXX for a total of $ XXXX.After reviewing the orders upon delivery I kept some and used the Macy 's website to initiate a return that was dropped off at a XXXX  fulfillment center on XX/XX/XXXX. Return label details include 1. Estimated Refund - {$3600.00} XXXX Tracking # XXXX XXXX. Order # XXXX 4. Reservation # : XXXX On XX/XX/XXXX at XXXX XXXX, I got an email stating the package was delivered and my refund will be processed within 3-5 days. I waited a week, called the customer service line, and was told due to the amount it would take 28 business days to get credited. After a month I called again and then I was told they never got the package. After a few calls again I was then told that they got the package but there was nothing in it. I went to XXXX  site to file a claim however, the system will not let me stating ONLY THE RECIEVER CAN FILL A MISSING PACKAGE CLAIM. 

I tracked the package on the UPS site and under proof of Delivery it shows the package was delivered at the Macy 's XXXX at XXXX Arizona on XX/XX/XXXX at XXXX XXXX, It showed the weight of the box at " XXXX '' and " MACYs XXXX '' received it. I honestly don't understand how a XXXX box is " Empty '' after delivery. No one at Macy 's has been helpful or shown concern about my money. 

I called the Macy 's store card and filed a claim to no avail as the card stated they were siding with the store. 

Please note : Because all the goods could not fit into the box, 3 of the initial items were returned to the store ( Macy 's XXXX ) in person. A total of {$310.00} was refunded. Total pending credit is XXXX - XXXX = {$3300.00}
Product: Credit reporting or other personal consumer reports

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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: Debt collection

My first notice was XX/XX/XXXX. I contacted CCS regarding the debt collection. They claimed it was issued by XXXX XXXX. I spoke to the representative and explained XXXX is in network with my insurance and I will be disputing the bill. The representative placed my collection on hold. I contacted XXXX XXXX who then confirmed my insurance was in network and they were going to remove the collection. I received another collection notice on XX/XX/XXXX. I contacted CCS again, they stated I am now in violation of the requested payment and my credit score has been given a negative mark. I was forced to set up a payment plan immediately on a bi-weekly status, because I am trying to buy a house. I made my first payment XXXX. I contacted XXXX again regarding the collection. XXXX stated they had put in the stop to the collection. I did not pay a payment and the next letter was demanding the payment of XXXX in full. I again called CCS they claim they didn't have any stop notice and will continue with collection. The rep also stated I received another negative mark on my credit score for nonpayment. I continued to make the biweekly payments. I made the last payment in XX/XX/XXXX. I received a new invoice from XXXX demanding another amount after I paid XXXX in full. I called XXXX again and spoke to a manager XXXX XXXX. She stated CCS received the stop notice on my collection in XX/XX/XXXX. I explained to her CCS continued to collect the amount in full and continued to add negative marks on my credit score. I am now waiting for a full refund of XXXX. CCS had no legal right to continue with a collection, they were provided a stop to the collection and continued along with giving me negative collection marks on my credit score. I set up an account with CCS to make payments and receive notices. CCS has removed all my information and payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to lower my score each time i submit a dispute about account with XXXX XXXX XXXX. The account has been delinquent 10 yrs and they are allowing the creditor to to still report even though acct is 10 yrs old n experian isnt asking for proper records showing the account has been deliquent for 10 yrs. and experian can not explain to me why they continue to lower my credit score with disputes n no changes to credit report at all. Experian is completely fraudulent in lowering my score and i feel they are doing it with no just cause and maybe should have a class action lawsuit against them. They lower my score 17 points today with no reason why? N 8 points last week no explanation. Theres no changes. I need answers and need experian to fix this and make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

They decided to take it off XXXX  but still reporting on XXXX  and XXXX. This account belong to someone else
Product: Credit card

I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2023, I reached out to XXXX asking for validation letters stating that collection accounts do not belong to me. 
XXXX XXXX XXXX ( XXXX XXXX ) Credit Collection Serv ( XXXX ) XXXX ignored my request and accounts are still reporting negative on my credit report.
Product: Credit reporting or other personal consumer reports

Someone has been using my personal bank, XXXX, Email ID account details for unclaimed personal loan under my XXXX  card number. 
It has been impacting my credit score. 
Need to check and close all unwanted transaction activities related to my XXXX  & my personal KYC. 
Please provide my fair resolution to the above said issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello here is a list of the unauthorized inquiries

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: Vehicle loan or lease

I sent Citizen bank a proper legal notice of contract rescission with the appropriate form and identifying information. They replied with a loan satisfaction letter, implying that congress had put in the US code something about satisfied loans not being eligible when quite the contrary. Congress specifically says ALL consumer credit transactions made before or after XXXX of XXXX  are applied to this subject matter. Citizen bank will be in violation of said code on the XXXX of this month for that marks their 20day limit after receiving notice. I am going to continue sending them letters until they send me my check that congress says they have no choice, but I just wanted a notice on public file as well. as of today the XXXX of XXXX, they are officially in violation on the law. A guy named XXXX received my service since Citizens refused to give me the name and address of the agent that is registered for process of service. He will be the one held civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer. I am submitting this complaint against LexisNexis in reference to complaint # XXXX ( attached ). In their response, LexisNexis stated that their investigation was resolved on XX/XX/2022, however based on the information I, XXXX XXXX, provided in the previous complaint, they were unable to fully authenticate my identity, and that even though I, XXXX XXXX, provided them with my name, address and driver 's license, LexisNexis still needs additional information to further prove my identity. My question to LexisNexis is how were they able to properly investigate any disputes or complaints, needing more information to fully authenticate my identity? According to 15 USC 1681h, proper identification was given. Congress does not state that the consumer has to provide any other means of identifying documentation, other than what I have already provided. ( attached labeled Identification ). My second question to LexisNexis is to provide me with the " description of the procedure '' used ( as they stated in their response ) in their investigation? LexisNexis also stated in their response that they have no obligation under the FCRA 15 usc 1681 and that i need to be advised that LexisNexis is not a debt collector. I am aware that LexisNexis is in fact a consumer reporting agency according to 15 usc 1681a ( p ) and according to 15 usc 1681b ( 2 ) the furnishing of any consumer related information has to be in accordance with the written instructions of the consumer to whom it relates. Lastly, LexisNexis stated 3 " rights '' that I, as a consumer, have the right to according to FCRA, yet LexisNexis failed to mention my rights to privacy according to 15 usc 1681 section 602 A.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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