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

I submitted a dispute to Goldman Sach's/Apple Card whom did not properly research and provide adequate information/details regarding their decision after the dispute. Furthermore, the company did not reach out for clarification or additional information to assist with their decision making. 

The following dispute is in regards to the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$830.00} ( XXXX ) The monitor was purchased on XX/XX/2021 and delivered by XXXX on XX/XX/2021 under tracking number XXXX. Despite best efforts to try to cancel the shipment prior to delivery, and leaving a note to refuse the package, the package was unfortunately still delivered without my consent. When reaching out for XXXX XXXX to return the package, due to the shipping mishandling, they refused to provide an XXXX and shipping label to send the device back. They claimed that regardless of the scenario, the 'buyer ' is responsible for return shipping costs. However, XXXX XXXX neglected to state that the buyer was ever responsible for return shipping costs, which would have amounted to over {$200.00} to their XXXX location. Their terms of service ( attached ) and website do not state that the buyer is responsible for return shipping costs, even when the company itself is at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, the amount of {$4000.00}. from XX/XX/2018 until XXXX XXXX has violated my rights. I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report.

15U.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't furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

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

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : 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 15 U.S.C 1681 section 602 A. States I have right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than sever years.

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 information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX removed late payment charge of {$25.00}, when it was discovered that payment had not gone through on XX/XX/XXXX due to a system error. He neglected to remove the interest charge at the same time. However, he took payment at that time, with the late payment charge removed. 
XX/XX/XXXX - Spoke with Capital One representative " XXXX '' who applied a credit of {$37.00} for the interest XXXX did not remove. I asked her the amount I needed to pay to avoid any interest charges and she verified that due to the error made by Capital One I could pay the current balance and deduct the interest charge when payment was made on XX/XX/XXXX. 
XX/XX/XXXX - Interest charge of XXXX showed up. XXXX " XXXX '' checked and said that an error had been made and that grace period should have been reset when {$37.00} was waived. She waived the {$32.00} and said she had reset the grace period so there should be no further charges. I made a full payment minus the waived amount on XX/XX/XXXX. 
XX/XX/XXXX - New bill showed that on XXXX the {$32.00} had been credited back, but that {$37.00} had been added again. Spoke with XXXX " XXXX '' who said that shouldn't have happened and she would research it. She waived the {$37.00}, but said I could not deduct that until the next billing cycle, even though my current payment is not due until XX/XX/XXXX. 

My issue is that if the company makes an error, which is what happened, I should not be penalized by having to pay that charge until the next billing cycle payment due on XX/XX/XXXX. XXXX insisted that nothing could be done and that if I did not pay that incorrect interest charge, I would incur another interest charge for not paying the balance showing for the current cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been using XXXX XXXX to work on bringing my credit score back up after significant medical bills, decreased wages and divorce. 

What should have been a simple correction on XXXX XXXX XXXX part, by them contacting Transunion to get them to bring my information up to date on my car loan has turned into a nightmare with me going around in circles with different representatives at Transunion who have told me everything from : 1. " it ( the loan ) doesn't belong to you ''. 
2. " XXXX XXXX deleted it when I disputed the balance ''. 
3. " Hold on and I'll forward your call to our 'Specialized Team ' to assist you '', then the phone disconnects. 
4. " your account has been suppressed ''. 

XXXX XXXX made it clear that it was Transunion who should make the correction not XXXX XXXX. 

It's definitely my loan, I still have another couple of years to pay it off best case scenario. All they had to do was correct the incorrect balance amount that they had on file that was making my score lower than it should have been. 

My score has now dipped 17 points because of this error! 

When I tried to fix it myself online the system refused to let me in and I got repeated error messages. 

It makes absolutely no sense why XXXX XXXX would delete the information with Transunion when XXXX XXXX is currently reporting the correct information to XXXX. 

I believe Transunion is the one who deleted the information in error and instead of apologizing for their error and fixing it they've taken this inhospitable strange stance. 

Please help!
Product: Mortgage

I am trying to get help through the Arizona Department of Housing, Hardest Hit Funds Program and my lender Guarantee Rate is not a participating lender. Arizona Department of housing is willing to help me if my lender provides a reinstatement quote with a 30 day good through date and my lender is rejecting sending that information to the Arizona Department of housing or to my housing counselor XXXX with Administration of Resources and Choices her number is XXXX. Our names are XXXX and XXXX XXXX our phone number is XXXX. Please help me get a Reinstatement Quote with a 30 day good through date so I don't loose my house.
Product: Debt collection

Looking at my credit report I see a collection from credence resource management for a XXXX XXXX  bill, I have no knowledge of having a signed contract with XXXX. Debt collector can not provide validation of a sign contract with XXXX  or with the debt agency they only can provide last bill which does not validate the account, secondly o never signed into agreement with debt collector for collections and never received written notice of debt, I want debt removed from ALL 3 of the credit bureaus.
Product: Debt collection

i received a letter from this company stating that i owe there client nationwide insurance a balance of {$230.00} i told them i did n't but i was still willing to post date a payment for the XX/XX/XXXX while i contact my insurance agent and got this squared away they said that even if i maid that secured payment arrangement they are still going to report me
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that experian remove XXXX XXXX XXXX ( XXXX ) from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof I signed up for the card etc. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.
Product: Credit reporting or other personal consumer reports

I have hard credit inquiry,5 that are not me doing this, no permission has been given for 5 hard inquiries, it's not me applying in my name, 1 was in XXXX XXXX XXXX nit been a XXXX  since XXXX when I got divorced, 3 recent from same company denial letters XXXX XXXX  that's not me, someone has been applying in my name, I'm not applying fur credit cards at all or bank loans in Kentucky XXXX XXXX 2 x in Kentucky iv never given anyone permission to check my credit at car dealers in Kentucky ever, I live be in Illinois . There is identity theft going on here 9 hard inquiries now on my credit report and it's not me applying fur anything. I don't have a denial letter yet from a 3rd hard inquiry that just happened more recently by XXXX XXXX again, I need to screen shot the other 3 hard inquiries to send that's on my credit karma report.
Product: Student loan

I have been paying on this for 10 years and payed it off and was told that i no longer owned this then they sold to Navient and found out the schooks i Attendant was envoled in predatory lending
Product: Credit reporting or other personal consumer reports

Equifax is reporting in accurate information on my consumer report. I submitted a request to have several inaccurate accounts deleted From my consumer report. 1. XXXX  is showing a charge-off but showing a balance due. 2. XXXX  XXXX is showing as a charge off and closed account and it is past the law required reporting date. 3.XXXX XXXX XXXX  is showing closed and is past the required reporting date. 4. XXXX XXXX XXXX XXXX is showing closed and as a charge-off also showing a balance due. 5. XXXX XXXX  is showing two late payments. They then sent notice back stating the account information has been verified, I requested them to provide me with the information regarding this and they Never submitted it to me. Reporting inaccurate information on my credit report is defamation of character and a violation of 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate late payments, charge off accounts, etc do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the information associated with my credit report. remove the inaccurate accounts. and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your time.
Product: Credit reporting or other personal consumer reports

RE : Method of Verification document This is response to Transunion '' s failed communication of a copy of verification which I enclosed on XX/XX/2023. I have sent Transunion a letter requesting validation on above accounts. Under the FDCPA, Transunion are required to response to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and Transunion has not yet sent me any documentation of the validity of debts and reinvestigation process procedures. Under both State and Federal consumer law, I have the absolute right to get a debt validated. Transunion is obligated to respond within the statutory time limit Transunion 's failure to respond to my request for validation, is a violation under the FCRA Laws and may result in an investigation by the Federal Trade Commission. Any attempt to collect a debt without properly validation is a violation of the FDCPA and State consumer protection law. Should Transunion continue to attempt to collect these debts without validation, I will sue them in small claims court and subject Transunion to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I want to remind Transunion that they are legally obligated not to report a debt that has not been properly validated. I am sure Transunion wish to resolve this matter as quickly as possible and avoid any unnecessary complications. Should Transunion fail to respond to this letter within 15 days, I will not hesitate to report these violations to the Federal Authorities, my States Attorney General and the Federal Trade Commission Regards, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting

After looking for cars in last 6 months. I had a used car dealer run my credit XXXX times that I did not authorize. After seeing my credit report I was shocked to see how many inquiry 's were on my report. I did not authorize any inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these inquiry 's to be removed. They are negatively effecting my ability to use my credit. There should be more control of people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.
Product: Debt collection

They make numerous calls a day every day from different numbers and sometimes change the name on the caller ID to something else than credence
Product: Mortgage

My wife had the responsibility for making the mortgage payments. I had no idea of the delinquent status of our loan until I was served with the foreclosure suit. Ive determined that my wife has been suffering from some sort of XXXX XXXX  and doesnt understand the gravity of not making mortgage payments timely. 

My wife indicates that she had previously requested forbearance under the CARES Act. After the foreclosure paperwork was received we received a demand for full payment of the loan. 

After receiving the foreclosure notice My wife applied for a mortgage assistance program and it took over a month to receive a denial with only a couple days left to appeal. 

The denial letter was dated XX/XX/XXXX. It was post marked XX/XX/XXXX. It allows 15 days from the date of the letter to appeal. 6 of those days expired BEFORE the letter was even mailed! 5 more expired while the letter was en route. 

Ive assumed responsibility for making mortgage and insurance payments for our family. I immediately began making payments of {$300.00} every two weeks via postal money order. I tried to establish a direct payroll draft but Midland has blocked that option for me. My payments were never posted to my account and returned by Midland. 

Midland posted a Deed in lieu of foreclosure on my credit report. At NO time did I consent to such an agreement. 

Ive provided proof of my income of over {$100000.00} per year to show my ability to make the mortgage payments. Ive been employed at my current employer for over XXXX  years so interruption of my income is not likely. Direct payroll draft would ensure that payments are made timely and regularly. 

I have a XXXX savings ( XXXX -type ) account with a balance of over {$170000.00}. I will not be eligible to withdraw funds until early XXXX when Im XXXX XXXX. My intent is to fully pay off the mortgage at that time. I will double-check with the fund to see if they have a hardship policy for foreclosures that will allow me to bring the account current. 

I am fully ready and willing to resume regular payments of our mortgage. Midland Mortgage refuses to accept the payments. They seem to be on a fast track to sell my home. 

In light of Midlands unprofessional handling of this process and unwillingness to allow me to resume regular payments Im beginning to believe that their intent has always been to seize my home and somehow profit from misery by creating another homeless veteran.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have fraudulently reported a XXXX  XXXX Bankruptcy on my credit reports, first of all Courts don't provide any information to any XXXX party which includes credit reporting agencies such as EXPERIAN, XXXX and XXXX. 


XXXX XXXX XXXX XXXX  # XXXX How did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report. 

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Checking or savings account

I opened a NAVY FEDERAL BANK ACCOUNT CHECKING SAVINGS MONEY MARKET I HAVE NOT RECIEVED MY MAIL APO OR A DEBIT CARD
Product: Credit reporting or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 

This is not my account this is a case of fraud I have not given my written or verbal consent to anyone approving the purchase of anything tht has defaulted into collecting I'm a extremely responsible borrower and this is not my account please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt give consent to a hard credit pull
Product: Debt collection

Account : XXXX Creditor : XXXX XXXX XXXX I have no knowledge of this debt, when called my social security isnt the number they have on file. I am victim of identity theft and have no knowledge of this debt. I want immediate deletion from my credit report to further eliminate any turmoil to my future. I have no notice to verify or dispute this debt. To eliminate any legal action or further violation of FCPDA or FCRA rights i would like this removed immediately.
Product: Checking or savings account

Continually being chrged XXXX by XXXX XXXX and was recently charged XXXX by XXXX XXXX
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 national protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic transfer fund act ( EFTA ) and regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440000.00} XXXX  XXXX XXXX Balance : {$57000.00} XXXX XXXX Balance : {$62.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}