23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be the only address on my reports.
Product: Credit card or prepaid card

My complaint is against the citi credit card company.I made a payment for {$720.00} it was put in twice I dont know how so I called the credit card company to let them know that they took the payment out twice so they told me To dispute it and the money will go back to my account. 
So I did that like five days go by I take my daughter to the movies and I go use the credit card and its not working they told me when I call that it was not activated because insufficient funds of the {$720.00} that I took back that they took out two times One of the {$720.00} was taken out on XX/XX/2021 And the next one came out on XX/XX/2021 So we have been going back-and-forth for a few days now so now They tell me my account was closed because insufficient funds and a lot of late fees but if thats the case how can a diss activate my card for late fees that happened in the pass I dont see how they can do that The last payment I made was for the {$720.00} and I believe I made that payment before it was even time to make the payment I feel I am being discriminated against And I should not feel this way specially if I did not do nothing to cause my account to close only thing I did was take my money back that was took out two times
Product: Credit reporting or other personal consumer reports

I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. In my letters, I specified the accounts in question and outlined the violations being made against my consumer report. It has now been over 30 days, and I have not received a response. Attached are copies of all the letters I previously sent. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as " disputed. '' Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity. '' It should reflect the last date a payment was made, not the date of the account 's last activity.
Product: Credit card or prepaid card

Filed a dispute with Citi for a service which was performed poorly and damage was caused during the process. Video and pictures of the issues are available but Citi 's antiquated processing system does not allow for this evidence to be provided to the dispute department or investigators. There is no way to upload any of these artifacts online. The only way I found out i can provide this information through emails, only after not receiving any correspondence in the websites " documents and statements '' section the case was closed, I found out by logging in to make a payment. The dispute department provided an email address after I voiced concerns as a customer, I don't feel like I have a fair chance to have an investigator adjudicate my case because I can't upload anything an email address was provided to only upload documents only. Due to their aged system there is no way to provide images or videos. It is like going into a court of law and telling the judge i can't provide you with all the evidence. As the customer who is not at fault, with all the documents provided through email, including an evaluation by a third party company who stated the same issues I found are not to industry standards, and images uploaded my case is still closed and I'm responsible for charges I should not be responsible for because Citi does not provide their customer a fair opportunity to provide all the evidence. You can't get a hold of the investigator, nor does the dispute front end department have the ability to do anything or even look at the images uploaded. How is this fair to the customer who is not at fault? I'm demanding Citi open the investigation and look at all the supporting documents and return my money for services not rendered.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX 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 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 crimes which antedates the report by more than seven 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 the information is inaccurate.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$51.00} Amount to be rebilled : {$51.00} The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$51.00} had been charged back by the merchant, yet they continue to demand payment from me. 

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Request for Blocking of Negative Information Under 15 U.S.C. 1681c-2 Dear Equifax , Negatives items was reinserted on my credit report without proper investigation and I was never notified or identified any disclosure and its been more than 5 days, I never receive any certification of accuracy to prove this is information should be reinserted on my credit report. 

I am writing to formally request the blocking of certain negative information on my credit report pursuant to 15 U.S. Code 1681c-2, which governs the obligations of consumer reporting agencies regarding identity theft and inaccurate reporting. 

According to the statute, credit reporting agencies are required to block information that resulted from identity theft or other unauthorized transactions when a consumer provides the necessary documentation. I have identified the following negative items on my credit report that I believe are inaccurate or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I am providing the following supporting documentation to validate my claim and request the immediate blocking of these accounts : A copy of my government-issued ID A copy of a police report or identity theft affidavit Any additional evidence demonstrating the fraudulent nature of the accounts I request that these items be blocked and removed from my credit report immediately, as required by law. Additionally, please provide me with written confirmation of the actions taken regarding this request. 

Failure to comply with this request may result in further legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please confirm receipt of this request and provide a response within the time frame established by the Fair Credit Reporting Act ( FCRA ). 

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

I applied for a mortgage and the credit bureaus shared my personal information without my knowledge or approval or ability to opt out which is the law. I have received no less than a 100 calls in three days of these unauthorized calls. It has been extremely disruptive to my work productivity and has caused financial harm.

This was not informed to me and it is my California right to opt out.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AWA Collections talks to people like they are  XXXX . They have terrible attitudes and offer absolutely no help. When you ask to speak to a supervisor all of a sudden whoever you are talking to turns into the supervisor. I guess it is ok for them to hang up on you multiple times, deny they did that at  XXXX  point, and laugh when you start questioning charges. They make snuddy remarks about why your account is there as well. When asking about charges and could I receive a copy of them I was told if I had paid my bills I would n't have to be calling them. Yeah you 're right but in order to pay the bills you actually have to receive them first!!! The federal government really needs to look into these companies! The ONLY reason I found out about these accounts is I was in the process of buying a house. THIS BY FAR IS THE WORST COMPANY I HAVE EVER HAD TO DEAL WITH!!!!!! Most companies are willing to work with you or settle if you can make a full payment I was cut off and told they do n't have to work with me at all they are n't there to help me. How   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You should always be willing to work with people!
Product: Checking or savings account

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY in the amount of {$300.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$630.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$650.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts. 
LATE PAYMENT ( XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX 54 % XXXX, XXXX 21 % XXXX, XXXX XXXX 7 % XXXX, XXXX XXXXXXXX XXXX 87 % XXXX XXXXXXXX XXXX XXXX 17 % XXXX XXXX XXXXXXXX 92 % XXXX, XXXX XXXX XXXX XXXX 98 % XXXX, XXXX XXXX XXXX XXXX 79 % XXXX, XXXX XXXX XXXX XXXX 12 % XXXX, XXXX XXXX XXXX 84 % XXXX  and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX account is XXXX years and XXXX months old. It was opened on XXXX XXXX, 2017 and has reached the statue of limitation but still shows as open on my credit report. XXXX XXXX, XXXX has ghosted my social security number and is looking for payment in the amount of {$340.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX This account shows Im Late on one payment but its incorrect & shows 3 different late payments on 3 different months I paid this Account on time & has been paid off on time the inaccuracy of this late payment has affected my credit score & against the Law According to 15 USC 1681e ( b ) it states this ( 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. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Bank account or service

Bank of America Unsecured Business Credit Card Charged off. Bank of America Recovery Services Debited my personal checking account for {$3000.00} on XXXX XXXX. Only leaving {$100.00} in my account. And XXXX was debited from business checking. I was under the assumption that they were required to leave sufficient funds XXXX for living expenses. I have made many attempts to reach the Recovery department. Calls never returned. They keep giving me the run around. I would like to at least get enough money returned to close out my bank accounts, as they are both overdrawn. Now I 'm unable to even close the accounts because of negative balance. They keep charging NSF fee 's.
Product: Debt collection

Hi Im currently in litigation with XXXX XXXX XXXX for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, Ocwen Mortgage, received an overage on the note due to them. XXXX will never get a dime from me. They are liars and are harassing me for money that is actually owed from Ocwen who took the property. Banks not paying each other is not my problem.
Product: Checking or savings account

Last year WellsFargo put a XXXXXXXX XXXX XXXX on my account due to a ticket loss dispute I was involved with, with XXXX XXXX for discrimination against those with XXXX. Without gathering adequate information from me pertaining the dispute, they reversed the credit in my account putting me in overdraft and causing my life and mental health to be put in jeopardy. As a caregiver, I already have limited funds and deal with alot of stress. 

They have also been staggering the withdrawal times again, in order to gain profit from overdraft fees. 

I'm considering taking legal action against Wells Fargo for endangering my life and causing further issues with my mental health. If I could I would get a lawyer and sue them.
Product: Credit card

I have XXXX Sams Club credit card. I had checked my credit and found that they had added another account. I was told that they opened a new account number and was going to delete the old account. I called twice and was told they would have it deleted from my credit reports. I disputed this duplicate twice with the credit boards and it still remains verified. For instance on XXXX, I have XXXX and XXXX with the same balance and credit line. They are updating these accounts to my credit report but will not delete the duplicate account.
Product: Debt collection

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I see an hard inquiry from company New American on XX/XX/year>. I have never applied to anything for this company or given them my consent to run my credit. please remove this immediately.
Product: Debt collection

This company reported an alleged debt to my credit without prior notification. I was never informed of this invalid debt, as required under the FDCPA. I request its removal from my credit immediately.
Product: Debt collection

I asked the company to take the late payments off I also tried to make arrangements but they would not let me they want all there money at once.
Product: Credit reporting or other personal consumer reports

This account ( XXXX XXXX  Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Checking or savings account

I had fraudulent charges made to my account at the end of XXXX from a perpetrator using my debit card information to make purchases on XXXX. I contacted XXXX, Bank of America ( the company I am filing this complaint against ), and the police to file the necessary claims and reports. Bank of America agreed to permanently refund the account on XX/XX/XXXX. On the morning of XX/XX/XXXX, Bank of America withdrew {$78.00} from my account calling it a temporary credit reversal, despite the fact that those credits were previously said to be permanent.