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

XXXX unauthorized charges from XXXX on my Apple Card in XXXX, {$1700.00} ( XXXX ), {$870.00} ( XXXX ), {$860.00} ( XXXX ), {$1600.00} ( XXXX ) and {$1300.00} ( XXXX ). I purchased something from this merchant before but not recently due to their overcharging and refusing to dispatch the orders correctly. When I first purchased from the merchant, they collected my Driver 's License photo and autography. I reached out to Goldman Sachs Bank USA disputed these unauthorized charges, the merchant then proved fraudulent information that is not from me to make the transactions valid. I believe my identity is stolen by the merchant to put in fraudulent transactions. I have no way to contact the merchant, my previous account was unable to retrieve. 

I called Goldman Sachs Bank and re-disputed the fraudulent charges again, but they require me to prove evidence that I never put in orders, otherwise, I have to pay these charges. I don't know how to prove something I never do for online shopping without a shipping address. I already filed XXXX  and XXXX XXXX against fraudulent charges, and also provide them to Goldman Sachs Bank. They still continue asking me to prove transactions that are not from me. They are not my orders, how come I would have records on those?
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX  ) continues to report inaccurate information to each of the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : 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  PART These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!
Product: Prepaid card

I received an {$80.00} Amex gift card as a holiday gift. I had not attempted to use it until recently, as I realized they are charging me for every month the card goes unused... which should be illegal as well. I realize it is only XXXX cents but why should they be allowed to do this. I have tried at more then XXXX different merchants to use this cards, online major retailers, XXXX stores, and many more. ALL DECLINE the purchase, I then logged online to check the balance as the Amex site tells you to do, and I have {$79.00}. I then call many times to never be able to actually get a real live person, it just continues to tell me to try another merchant, that it is the merchant that is not secure. I have a very hard time believing that XXXX and the other major retail chains are not secure. This card is virtually worthless, how can this be legal? They accept payment for a card that says it is accepted anywhere that Amex is accepted and it is in fact not accepted ANYWHERE. So frustrated consumers just give up and toss it in the trash and Amex keeps the money? This is not a fair business practice, you can not publicly advertise that something is able to be used anywhere that Amex can be used when they knowingly are aware that it not accepted at nearly every merchant. They need to advertise properly. If they advertised that the card is very challenging to use, consumers would elect to purchase a different pre paid gift card. It is deceptive, fraudulent and disappointing. I would like my {$80.00} back as I should not be charged for not using the card, I simply can not find a way to use it.
Product: Checking or savings account

A third party check was deposited in my account by my wife. The bank elected to illegally seize all assets and close my account. Now all the funds are in limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( File # XXXX ) I received Investigation Results from XXXX dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. XXXX results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). XXXX, Equifax, and other consumer reporting agencies look to XXXX for verification and, despite this, XXXX   insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX Equifax ( Confirmation # XXXX XXXX I received Investigation Results from Equifax dated XX/XX/2020. Equifax mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to Equifax and asked that they do the sameDELETE the Public Record from my Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Fraudulent inquiries from XXXX is XXXX and with TransUnion is XXXX XXXX  XX/XX/2020. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Greetings, my name is XXXX XXXX XXXX XXXX family, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX
Product: Credit card or prepaid card

I signed up for a store credit card in XX/XX/2021. Upon making a purchase that month, I was sent a bill by Comenity - XXXX XXXX XXXX in early XXXX. I went to the store and made a cash payment on XXXX. I was asked if I wanted to use my {$23.00} reward credit towards my balance of {$190.00} balance. I agreed and paid the additional {$170.00}. A month later I received a bill from Comenity for {$25.00}. I first visited the store and was told to call Comenity. I called Comenity on XXXX and explained the situation. They filed a dispute and said I would hear back after review. Yesterday I received another bill for {$27.00}. I called Comenity on XXXX and was told I need to go back to the store. They were aware of the situation of customers making payments at the store but they had no access to the stores information. I think its unacceptable for the store to send me to Comenity and Comenity to tell me to go back to the store. I have a receipt showing that I paid my debt in full.
Product: Credit reporting or other personal consumer reports

I am disappointed with how my previous complaint has turned out. Verifying my dispute is not enough, and I made it clear on how badly I wanted this account removed from my report as it has affected me financially and mentally.
Product: Credit card

I paid off the entire balance of {$6200.00} on my Capital One credit card 5 days before the due date ( due date was XXXX and payment made online on XXXX ) which left a {$0.00} balance. On the next statement, even though no further charges were made and there was a {$0.00} balance, they charged me {$68.00} interest. When I called the company, they were very vague in how this interest occurred. This credit card advertises no interest will be accrued if the balance is paid in full before due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Omega RMS has yet to verify that I this balance is indeed mine. 

*Initially they reported the principle balance being : {$12000.00} *On XX/XX/XXXX they added interest and fees totaling : {$16000.00} *I filed a complaint and on XX/XX/XXXX they were removed from my XXXX  report *As of XX/XX/XXXX they are back on my XXXX report totaling : {$18000.00}
Product: Debt collection

I originally got the letter about the debt being sent to BCG Equities on XX/XX/XXXX XXXX  they have had the account since XXXX. I called them on XX/XX/XXXX for the first time, and they were closed. Called again on the XXXX and requested information regarding the debt since it was something I wasn't familiar with and was unsure about the balance and was told it was going to be emailed to me but I never received anything. I called again on XX/XX/XXXX and left a voicemail, and again on XX/XX/XXXX and left a voicemail. I found out that they were suing me as of XX/XX/XXXX. I FINALLY got ahold of someone on XX/XX/XXXX and even though it was their fault I was told I would have to pay the additional expenses since they sent it to court. I set up my payments and have been paying them $ XXXX. I even got an email from a XXXX apologizing for the delay including the document I requested almost 2 months prior. ( I have a copy of this email. ) Since then, as of XX/XX/XXXX, my payment wasn't attempted to be processed until XX/XX/XXXX due to the weekend which is understandable. My payment didn't go through for whatever reason, but I just had to move money from savings to checking and call and have them re-process. They called me for this. I was traveling and missed their call but tried calling several times on XX/XX/XXXX and left a voicemail. I finally was able to talk to someone on XX/XX/XXXX- XXXX, who wasn't even in the collection department, who took my XXXX payment. For the record, she specifically says the voicemails get routed to the collections XXXX for them to call back. I dont think I have ever gotten a callback since having to deal with this company. She also told me via email my payments are still set for automatic withdrawal even though the stipulation is broken. I have been calling to try to pay the remaining balance off and I have left numerous voicemails with no luck. I am not paying any additional court fees. I have been trying to get ahold of this company and have proof that I have been doing so since XXXX. All I want to do is pay the remaining {$360.00} of the original Stipulated amount agreed on. I have already paid {$1700.00} since XX/XX/2023.
Product: Credit card

I have a Kohl 's credit card ( managed by Capital One ) account with automatic bill pay set up. The bill pay was rejected by Kohl 's. I called for an explanation, because as far as I can tell the information was entered correctly. Kohl 's told me to contact my bank to confirm that. I called XXXX XXXX XXXX to confirm that my account was correct, but found that when I logged into the Kohl 's online interface, while I could see my full routing number, I could only see the last XXXX digits of my bank account. XXXX XXXX XXXX suggested that I call Kohl 's for the full information that I gave them. I called Kohl 's back and they told me there is no way for me to find out what information I typed in there and they could not tell me because they themselves could only see what I see. They can only tell me the final XXXX digits of my account. Without being able to check if the bank information I entered into my Kohl 's account is correct, I am unable to investigate this matter further on my own as to why the payment did not go through. How can a company like Kohl 's withold my own personal information from me that I gave to them? After I gave them the required identifying information to prove that it was my Kohl 's account? I do n't want this negative information on my credit report, but neither company is helping me find out what really happened, if it was indeed mis-entered information or if there is a mistake on their end. I feel totally disempowered.
Product: Payday loan, title loan, personal loan, or advance loan

Good morning, I couldn't find XXXX XXXX in the company dropdown, so I will have no choice but to file it under PatientFi. 

In XXXX, I inquired about getting XXXX XXXX  and received a consultation over the phone with XXXX of XXXX XXXX XXXX representative 's XXXX. She sold me a loan for XXXX removal through patientfi. Due to my busy lifestyle, I was unable to keep my appointment on XX/XX/XXXX and later told the representative to please refund my loan as I was no longer able to meet this obligation. The representative responded to my message by saying that the loan could not be cancelled, in what world is it okay to not refund someone for a service they've never received? There's myriads of stories like mine on XXXX speaking on XXXX XXXX XXXX deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.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 not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : XXXX Amount : {$1300.00} Account # : XXXX Party Owed : XXXX Amount : {$3000.00} Account # : XXXX Party Owed : XXXX Amount : {$2600.00} Account # : XXXX Party Owed : XXXX Amount : {$5500.00} Account # : XXXX Party Owed : XXXX Amount : {$4800.00} Account # : XXXX Party Owed : XXXX Amount : {$6600.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4600.00} Account # : XXXX Party Owed : XXXX Amount : {$5300.00} Account # : XXXX Party Owed : XXXX Amount : {$1.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$6700.00} Account # : XXXX Party Owed : XXXX Amount : {$0.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX Amount : {$4700.00} Account # : XXXX Party Owed : XXXX Amount : {$4100.00} Account # : XXXX Party Owed : XXXX Amount : {$3500.00} Account # : XXXX Party Owed : XXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXX Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX XXXX Amount : {$550.00} Account # : XXXX Party Owed XXXX XXXX Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT XXXX EQUIFAX & XXXX HAS VIOLATED MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

During initial contact with XXXX, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from Regional Finance. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted Regional Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted Regional again on XX/XX/XXXX certified mail as well regarding the same accounts. According to XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} Status Collection account. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. 
XXXX  XXXX bankruptcy discharged Potentially negative Date Filed XX/XX/XXXX Court US BKPT XXXX TX XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Close
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Transunion and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. Again thanks for your prompt response and action. 

- 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 or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim. 
Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported. 
XXXX XXXX System Error : During the payment submission process, there was a documented issue on XXXXXXXX XXXX platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Equifax is reporting inaccurate information on my credit report and I need it removed as it is affecting my credit report. Ive sent countless documents letting them know and they are still keeping it on my credit report.
Product: Credit reporting

Experian is not reporting account # XXXX with the correct limit. I have XXXX XXXX Credit Card with a XXXX limit. This is information is not being displayed and is affecting my credit score. Please have Experian to fix this issues ASAP.