23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A merchant was using my XXXX account without my permission and would not let me discontinue the service. I believe the merchant was a fraud. XXXX months prior I tried to stop this merchant from charging my apple card account for a subscription I could not end. XXXX  XXXX told me I could change my account electronically with my apple XXXX. I did so. XXXX  XXXX subsequently supplied the merchant with my new account information without my permission. ( Turns out this was disclosed in a XXXX XXXX XXXX XXXX as a feature of the Apple Card ). Knowing I had to stop the fraud, I closed my account with the intention of opening a new account. I knew changing my account number would not help because it would just be re-given to the fraudulent merchant. 

When I closed the account the account representative did not tell me I could not reopen a new account using the same XXXX XXXX. This is an undisclosed credit term and appears to only apply when I closed my account. Losing the right to a new account through a credit card provider because I exercised a need to avoid fraud on my account is unconscionable. I was not told I could not open a new account, and I could not find this credit term in my disclosures. Misuse of a credit account is XXXX thing, but my account number was given by XXXX to a very bad merchant that I was trying to manage to prevent more fraud on my account. 

XXXX  XXXX is an authorized issuer of XXXX. XXXX is the company that supplied the new account number to the fraudulent merchant, not XXXX. Closing my Apple Card, issued my XXXX, but under terms of XXXX, leaves significant uncertainty for the responsibility for managing fraudulent activity on an Apple Card. I am collateral damage in the relationship since as a card user, I could not change my account number, which is heralded as a significant security enhancement for a user like myself, and prevent XXXX from overriding my account change and providing the new number to a very bad merchant. Who knows where that money was going! 

Punishing me by not allowing me to even apply through the normal method using my XXXX XXXX is simply wrong. I also lost access to my XXXX statements. The loss of ability to reapply should be clearly disclosed to the account holder before the account is closed and other methods to lock a fraudulent merchant from the apple card account should be clearly explained and offered. I completed a fraudulent transaction report twice with XXXX. I followed proper procedure reporting unauthorized activity on my account. I can not apply for new XXXX without a new XXXXXXXX XXXX. This appears to require a new phone number. The act of trying to prevent fraud on my XXXX account has denied me both credit and access to statements on previous activity. It is true I could have downloaded the statements, but there was no need since I had them in my XXXXXXXX XXXX I can not retrieve my card account number since it was removed from my apple wallet and is not printed on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. Transunion, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

What friends, associates, neighbors of the reported consumer did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? 

The following accounts : XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I have contacted care credit as well as synchrony bank several times in regards to billing errors on my credit report as well as my account statements with no resolution. My account is extremely incorrect and my credit score has been affected and it is causing great distress to my household.
Product: Debt collection

Ability recovery services, has repeatedly called myself, family, and my mother and father in law about a very old debt. they have threatened saying that i will be in severe legal trouble if i do not call them or pay back this debt. i do not even know how they got my in laws numbers. but they call and harass at all times of the day and night. it is getting stressful and harassing at this point. They call from many different numbers, so it doesnt matter how many times i block a number they just call from a new one. and then when i try to call back the number it is some random person who answers, it is like their cell phone or landline. so it is like ability recovery services is rerouting their calls through other peoples phone numbers. the most recent call was today from ( XXXX ) XXXX at XXXX XXXX. 
yesterday XX/XX/20 calls from XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX and this one calls the most ( XXXX ) XXXX i get a call from that number almost on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to allow a bogus company to bill/ rebill charges that do not belong to me on my credit report. I have disputed the matter for a total 5+Yrs with no relief whatsoever. I have also advised the company XXXX that the charges do not belong to me or any of my dependents as we had in the past XXXX and XXXX XXXX XXXX. To date I have XXXX and XXXX and all of my medical services are in the state of Georgia and have been since XXXX. The company XXXX billed me on my credit report for both {$860.00} and {$920.00} back in XXXX, since this time I have successfully disputed these bogus claims with both XXXX and XXXX ; however, Equifax will not remove them. Last month XX/XX/XXXX, Equifax removed one of the XXXX charges only to replace the same amount/charge under XXXX with a bogus date of reporting the charge/ service in XX/XX/XXXX allowing the same bogus charge to reside on my credit for another 7long years. I have placed a notice on my Equifax credit file indicating that I infact do not owe any medical charges in any state but Georgia and that both my Government ( XXXX & XXXX ) issued medical insurance plans take care of all my health care needs fully. 

Please help me combat Equifax bogus reporting as nothing I do seem to get them to resolve the matter and it affect and effect my credit score when a company seeks their assistance.
Product: Debt collection

I received a letter from XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX stating I owed {$1900.00}. On XX/XX/XXXX I called and made a payment arrangement to pay over 6 months- 6 payments in the amount of {$320.00}. My first payment was made on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the Oklahoma Tax Commission stating my {$490.00} tax refund was applied to my debt. I called to confirm they advised it was. I then asked if I now owed {$1100.00}, and I was told because of fees that I owed {$1300.00}. They refused to tell me what the fees were for or send me an invoice breaking it down. On XX/XX/XXXX I called to find out the total balance owed I was told it was {$1300.00}. I paid the full amount on XX/XX/XXXX and requested a letter be sent to me stating the the full debt had been paid. I received a letter on XX/XX/XXXX stating the payment of {$1300.00} had been applied but now I owe {$1000.00}. The total debt was {$1900.00}, I have paid them {$2200.00}. They are now demanding another {$1000.00} from me. I have proof of all payments.
Product: Debt collection

I was taken to court by the Jefferson Capital System, LLC. The judge ruled in favor of the plaintiff for me to make arrangements to pay off debt. I called on yesterday and spoke with a lady who did not identify herself. I told her the nature of the call and she became rude by calling me a liar when I explained my income of SSI. She continued to ask why I did not pay the bill in 2017 and I explained that my income varies from month to month. I became upset and got a little loud on the phone and the representative from Jefferson Capital System told me that I was not going to get loud in her ear because she had to work until XXXX and she was not going to have a headache and then she hung the phone up on me.
Product: Debt collection

Someone from RENT RECOVERY SOLUTIONS contact me in regards to a account that I dont know for some past due payments that I dont know about to which how they have put a derogatory mark on my credit report with XXXX
Product: Vehicle loan or lease

XXXX  XXXX. My car was totaled in XXXX and the gap insurance took a while to pay their part. Im being charged fees for a car I should not have any liability towards.
Product: Mortgage

shellpoint mtg. denied the approved gov assistance of XXXX and to help keep our home wife totally XXXX salary cut in half XXXX XXXX XXXX XXXX XXXX XXXX XXXX i XXXX lost 2 jobs due to covid XXXX we have XXXX boys XXXX in college and the other in the elementary both on honor roll all we ask for is assistance to keep our home to avoid being homeless we always have lived paycheck to paycheck but never went this far. 


sincerely the XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Someone used my Social Security Number and my name to open XXXX Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and XXXX XXXX So I got both reports and sent them to the address XXXX asked me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
Product: Credit card

On or around XX/XX/XXXX, I applied for a XXXX credit card to make a purchase. I paid off the statement balance in late XXXX which, unbeknown to me, was late. Because the payment was late, I incurred a {$30.00} late fee. On XX/XX/XXXX, I received a text to contact ComenityXXXX about my account. I received a call the same day about the account but hung up as I thought it was a scam. Nonetheless, I checked my mail and found a statement with a {$30.00} late fee. Upon calling Comenity, I figured out I had been charged another {$41.00} late fee on top of the {$30.00} late fee, and the balance was accruing interest ( {$2.00} when I called ). The total balance was now {$63.00} and none of it was from a purchase I made with the credit card. While on the phone with Comenity, I requested a waiver for the late fees given the fact that I paid off the entire balance albeit a day late per their statement. The customer service rep XXXX offered me a {$15.00} credit which I declined, and asked to speak to a manager. The manager XXXX told me that up until two weeks ago they had the flexibility of waiving additional fees so he could only do {$15.00} today. I reiterated that my balance had been paid off since XXXX, and was happy to pay the first late fee if the rest could be waived. XXXX said that was not possible and offered the {$15.00} credit again. I declined to take it as it would not resolve the issue I was explaining. On XX/XX/XXXX, I paid the {$63.00} incurred in late fees and interest on late fees to avoid the account going to collections. As such, I believe Comenitys late fees on my account are excessive and borderline predatory given the fact that I paid my balance in full. Their excuse of a new policy to avoid waiving late fees is simply used to pass the buck leaving consumers like me without a solution. Notably, I have yet to receive a statement showing the {$41.00} late fee or interest, and was somehow supposed to know I was accruing such fees. Therefore, I request a refund of the {$63.00} which came from a {$30.00} late fee on an already paid off balance, {$41.00} late for the {$30.00} late fee, and {$2.00} in interest because the fees are excessive and I had no notice ( and still dont ) of the additional late fee and interest accruing.
Product: Credit card or prepaid card

This card was sent to me for no reason while I was waiting for my unemployment prepaid card to come in the mail. It has the brinks logo and a website and all kinds of information that looked like a real business. Come to find out it was sent to me to activate by giving them my social security number. The card had {$0.00} on it, but upon activating and checking the balance I owed them a lot of money which I was supposed to pay immediately by putting money on the card. I called the Texas  Work Force c ommission and they told me that is not their card. I called the number on the back of the card  XXXX , and the customer service told me that I needed to pay the fees I told him I wanted to deactivate the card he was trying to get me not to, but he told me he did deactivate it then hanged up on me. They have my SS # and I 'm very scared that I just got scammed.
Product: Credit reporting or other personal consumer reports

Hi! There are errors on my credit report that significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Student loan

In XXXX I was able to apply for Borrowers Defense against repayment for my federal student loans due to the gross misconduct conducted by the XXXX XXXX XXXX XXXX 

They were found on multiple counts to be guilty of, violating US consumer protection laws in federal court. In addition to exaggerating job prospects, the lawsuits also allege that XXXX underestimated program costs and lied on financial aid forms to receive larger loans. During the financial aid process nothing was explained to me, nothing was told to me in a way that would help me understand what was going on with loan terms, amounts, or interest rates and saddled me with XXXX in debt upon graduation. Recruiters were found to violate a federal ban on per capita incentive compensation. For this and the reasons stated above I believe not only did the XXXX XXXX XXXX XXXXXXXX mislead me into enrolling there but I also believe their actions were criminal and have caused a great financial strain on my shoulders. 

I have repeatedly relayed this same struggle to Navient regarding my private loans as not only the monthly payments were a struggle to meet. Additionally, Navient was sued by the AG of XXXXXXXX  and was found guilty and had to cancel the debt of those within a certain time frame. There were also additional parameters that I was told I did not fit. Although I was never ale to confirm this as Navient would not provide me with any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no 3rd party involved. I have XXXX, XXXX, and Equifax violating me under the FCRA. 
The first violation is under 15 USC 1681b Permissible purposes of consumer reports. Here you can see that under that statute 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. I NEVER GAVE THEM ANY WRITTEN INSTRUCTION TO REPORT ANYTHING ON MY CONSUMER REPORT.

The second is 15 USC 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. EVERY ACCOUNT ON MY REPORT IS AN EXTENSION OF CREDIT.
Product: Credit reporting or other personal consumer reports

Filed a complaint yesterday and experian has now updated my XXXX XXXX balance and back dated it. They increased my score four points on my fXXXX XXXX XXXX XXXXXXXX but experian keeps my experian page ar XXXX and are pumping loans and credit cards 10 times a day saying another card will increase your score this has got to be illegal and now experian has stopped responding
Product: Mortgage

My wife and I was paying our monthly mortgage payment to Seterus, Seterus stopped accepting our mortgage payments. We requested a mortgage modification with Seterus mortgage XX/XX/XXXX and on XXXX other times, they have refused to work with us. Seterus has taken our money and they have set several property foreclosure sale dates. We are still in the property and want to keep our home. The Making Home Affordable Modification Law is suppose to help people like me. I spoke with Seterus Foreclosure Attorney XXXX XXXX he said to me and my wife he was going to take my house and he and the mortgage company Seterus was not going to let me keep my house. There is a property foreclosure sale date set for XX/XX/XXXX. A thirty day notice was to be sent to me and my wife that is required by Tennessee Law I did not receive a 30 day notice. It is a Class C misdemeanor not to give a 30 day notice per XXXX Tennessee XXXX. 
Please help me to keep my home. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXXXXXX XXXX inquiry on XX/XX/2022 XXXX XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Debt collection

I am filing this complaint against multiple debt collectors who are repeatedly contacting me via phone and email about a debt that does not belong to me. Despite my clear communication that this debt is not mine, they continue to harass me with persistent calls and messages.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692b & 1692d, debt collectors are prohibited from harassing consumers, including making repeated or unnecessary contact about a debt they do not owe. Their continued actions are causing unnecessary stress, and they have no legal right to keep contacting me.

I request that the Consumer Financial Protection Bureau take action to stop these unauthorized collection attempts. If this harassment continues, I will be forced to pursue legal action for violations of the FDCPA.
Product: Credit reporting or other personal consumer reports

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer. 
Please update to paid as agreed XXXX XXXX XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX