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

I am an Apple Card customer. In XXXX of this year I made a monthly payment as shown on my XXXX to avoid an interest charge. Paying the full amount that was reported in the Apple Card app, I nonetheless was charged an additional interest payment by Goldman Sachs. After a number of conversations with Goldman Sachs and Apple, I was told today by Goldman Sachs that the reason for this charge was because I did not pay a previous months finance charge ( that had been partially waived by Goldman Sachs ), and that the full amount needed to avoid and additional charge could be found in my statement, but that the app would only report the amount necessary to avoid a finance charge for XXXX transactions. I have contacted Apple regarding this revelation and informed them that the data being sent to their app is erroneous and that their apps feature of noting the amount to avoid a finance charge is misleading ( or completely wrong ). Goldman Sachs for their part has done nothing to resolve this issue and has attempted to talk their way around the situation telling me that I am responsible for reading my statement, but they are not responsible for the functionality of the Apple Card app. In summary, I believe Goldman Sachs practices in this case are intentionally designed to mislead their customers, resulting in fraudulent finance charges.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I was a authorized user on a XXXX XXXX  card with my wife she has recently passed away The collection company that XXXX XXXX has sold the debt is in many violations of the FDCA according to 15 usc 1692G they have been non stop harassing with calls and letters without any valid proof this debt is mine
Product: Debt collection

On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for the amount of {$11000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The notice disclosed that I had by XX/XX/year> to dispute the collection. 

On XX/XX/XXXX, I sent them a debt verification letter through certified mail, which through tracking, showing delivery to them on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notification from XXXX that I debt has been added to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for the amount of {$11000.00}. I immediately filed a dispute with XXXX regarding this debt as it should not have been added to my report prior to the allowable date of XX/XX/XXXX per the original debt collection notice. 

On XX/XX/XXXX, I called XXXX, XXXX XXXX XXXX XXXX, XXXX and explained to them that I submitted the debt verification letter and it was delivered prior to the XX/XX/XXXX date shown on the original letter. I was told I would be called back to discuss it further and I have yet to hear from anyone. Later this day I receive a letter in the mail stating that I did not dispute the debt and it was being added to my credit report. That letter showed I had a balance as of XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from XXXX that the results of my dispute were that the debt remains as the company that reported the information has certified to XXXX that the information is accurate. 

This company did not follow the Fair Debt Collection Protection Act and followed through with debt collection and reporting prior to the allowable date they listed on the original debt collection notice.
Product: Credit reporting or other personal consumer reports

I have called Experian about three accounts that have been so called delinquent. I have notified them that this debt does not belong to me. I have never lived at the address on file for the accounts and on top of that I was a victim in the XXXX data breach which Experian is the company handling the credit restoration process. Only experian and XXXX has these accounts on reports. The accounts XXXX XXXX and XXXX XXXX  are closed and have been charged off meaning paid but they continue to show payment history which is a violation of title 15 of the United States Code. Furthermore I have asked multiple times for validation of the debt which I have never received but due to the fact that these companies pay Experian a servicing fee Experian is dedicated to the company creating a conflict of interest as Experian will make bias decisions in favor of the paying company. I have not received a valid contract with my signature on it but Experian has continued to say that they have validated the debt. I don't care about them validating the debt I want validation and they have not provided it in the 2 years I have asked. This is a violation of my private rights as I am not a US citizen. I am a private individual in control of a U.S. citizen. I understand that the principle on the account is a legal fiction created by the United States for my benefit and to operate in commerce. Experian continues to treat me as if I am the principle and I have sent in an affidavit of truth letting them know my true identity. They have neglected to honor the affidavit and continue to treat me as principle. Lastly I have never given Experian any consent to provide any company any of my private information but the presumed and implied authority they believe they have is interfering with my right to privacy and liberty. The only conclusion I have come up with is Experian has defamed my character, are advising companies not to extend credit to me based on my demographic and race. I have power of attorney over this entity and will exercise this power by filing a civil case against experian for not having a license in the state of California or have a bond on file for damages. They ( Experian ) does not have any jurisdiction to perform the acts that they are performing which is a violation of my private unalienable rights. I have attached the report that experian provides to the companies I apply for credit with. This here proves they are defaming my character and it is now public record and can not be rebutted.
Product: Bank account or service

Due to a " Regulation D '' violation ( too many transfers ), my savings account through Citibank , N.A . was closed on XXXX XXXX, 2015. All correspondence up to that point indicated that the funds from that account ( {$4100.00} ) would be transferred over into my Citibank checking account. It it currently XXXX XXXX, 2015 and those funds are nowhere to be found. Every Citibank representative with whom I have spoken has given me a different answer as to when I can expect to receive them ( including the XXXX week when no mention of a check was made, whatsoever ). At this point, I have absolutely no idea when I can expect to receive this money, and Citibank has been no help to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never open a account with XXXX its shows reported incorrect in my credit report pls remove from my credit history asap
Product: Debt collection

In XXXX of 2023 I noticed XXXX accounts in collections from Transworld Systems Inc on my XXXX  and XXXX credit report. I called the company to have a debt validation letter sent to me but did not receive anything. I sent a debt validation letter via certified mail XX/XX/2023 and it was received by the company on XXXX XXXX. I did not receive a responding correspondence from the company. I disputed the account with XXXX  and XXXX and they were both removed from the XXXX  report and only one of the accounts were removed from my XXXX  report. I called the Transworld Systems Inc. again to dispute the account with them and asked for a debt validation letter via email and still have yet to receive any correspondence from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX credit card account/Card : XXXX through the XXXX XXXX XXXX is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

STATEMENT OF FRAUD RE : Case XXXX for account ending in XXXX I, ( name here ), hereby state that the above referenced card was ( select one ) : 1. ____ Lost / Stolen 2. ____ Never received in the mail 3. __x__ Used without my authorization, but still in my possession I have not used the card account described as above for the transaction ( s ) listed below. I have not authorized anyone else to use or have possession of the card account described above. I did not, and will not, receive any goods, services or other benefit as a result of the transaction ( s ) listed below. 
The signatures or other forms of authorization appearing on any of the sales drafts, ATM transactions, telephone/mail orders, or applications for the transaction ( s ) listed below, are and will be forgeries. 
Date Description Amount Disputed Amount XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX {$21.00} {$21.00} XX/XX/2022 XXXX XXXX  XXXX, NY {$81.00} {$81.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX {$21.00} {$21.00} XX/XX/2022 XXXX M, XXXX, AZ {$19.00} {$19.00} XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX, CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX CA {$1.00} {$1.00} XX/XX/2022 XXXX XXXX XXXX  #, CA {$0.00} {$0.00} __x__ I have no knowledge of the identity or whereabouts of the person ( s ) responsible for the transactions listed above, OR : ____ I can identify the suspect as : Name : Phone Number : Address : City, State : Please provide any additional information you may believe may be helpful in our investigation ( you may attach additional pages, if needed ) : _________________________________________________________________________________ _________________________________________________________________________________ I certify that, to the best of my knowledge and belief, all the information on this Statement is true, correct, complete and made in good faith. I understand that this Statement and the information it contains may be made available to federal, state, and/or local law enforcement agencies for such action within their jurisdiction as they deem appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS BANKRUPTCY COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy Reference XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga. XXXX See attached XXXX
Product: Student loan

I currently owe {$57000.00}, with a past due amount of {$3800.00}. My loan servicer is Nelnet, however, I think the real problem lies with the Department of Education. 

I am willing and able to pay the student loan, however I no longer reside in the United States. I no longer have an American bank account and can not open one. I do not have a credit card in my name, so I can not make payments that way. 

I do have a bank account and can make electronic payments. Nelnet informs me that Department of Education rules forbid them accepting payments from foreign banks. I can not find an appropriate way to lobby the Department of Education for some alternative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call to XXXX XX/XX/2020 XXXX est XXXX , Supervisor advised I need to call DNB and ask why theyre not reporting my account. She then advised me to write via snail mail to your internal Credit Bureau Disputes department and dispute why my account isnt being reported. 

XXXX, Call Center Manager, then advised much of the same. She went on further to state its my prerogative whether to take her advice or not. She spoke in a very condescending and matter of fact tone. She told me who her superior was ( XXXX, Team Manager ) explained and reaches him via text and email but would NOT be contacting him for my issue, and stated under no circumstances would he oblige a return call request from me. She stated she is the highest level of management that would help me and if I didnt like it I needed to write a snail mail letter. 

I reminded XXXX the majority of the world is working remotely like she is due to the catastrophic Covid pandemic and instructing me to mail a letter when she could simply contact her superior for additional information would further exacerbate my issue. 
To this, she replied snakily, OK I grew more frustrated and asked my account to be fully detailed about this interaction ( she said nothing ) Exhausted and feeling hopeless, I asserted I would contact the XXXX XXXX XXXX, the attorney general 's office, and the consumer protection bureau. XXXX wasnt phased she simply said OK. 
I then terminated the call. 

Emailed the following via XXXX and got no response. 

- XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX VP - XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX, Director of Strategic Partnerships - XX/XX/2020 at XXXX XXXX XXXX XXXX VP Relationship Management
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : SMALL BUSINESS ADMIN XXXX Date opened XX/XX/2016 Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

XXXX is reporting a late payment on my account in error. I have never been late and this is affecting me negatively as well as all attached authorized users. 

I believe the misunderstanding is from XXXX payments that were made in XXXX. XXXX payment cleared and XXXX payment was returned. However, the payment that cleared was the first payment made. Therefore, no payment was late. 

According to the statement, no payment was made. However, I also attached a print out of transactions which clearly shows a payment made for {$73.00}. ( see attached )
Product: Mortgage

My mortgage payment is sky high due to my real estate taxes being overcharged by {$8000.00}. My mortgage was {$2500.00}. Now its {$3200.00}. It went up due to taxes being overcharged and the tax dept has sent them the refund. 

I am going to be XXXX in 2 weeks and I can not set up auto draft with that high payment. This will cause me to go into foreclosure. And the company refuses to do my escrow analysis immediately so that my payment will go down. I have been dealing with this issue for 3 months. This is in violation of RESPA as well.
Product: Credit card or prepaid card

I had asked for a credit increase to my amazon store card back in XXXX that was denied. My credit limit then was XXXX XXXX In XXXX I was notified by XXXX XXXX that this account had reduced my credit line impacting me negatively. It also made sense when I looked into it knowing i had transactions on XXXX declined because again that credit line had been reduced. 

I contacted synchrony which provided me as evidence my XX/XX/XXXX letter of the denial for my limit increase. They have yet to provide any letter or proof of that notification. I have asked why i was notified my my credit monitoring service, and for an increase back to my original credit line. Changes like this impacted me negatively by both making my credit utilization to almost 100 % on that line, while leaving me to improperly plan expenses. This should never happen and they should address concerns like this more accurately.
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 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: Debt collection

Open account with CONNS CREDIT CORPS on XXXX XXXX XXXX XXXX XXXX XXXX. I return merchandise back to store at XXXX XXXX Mississippi store I have a invoice where I return it they have reported me to XXXX for a total of XXXX I have received about XXXX calls from them I have screenshot the phone calls before XXXX I have faxed over the invoice where I took merchandise back I agree to pay restocking fee of XXXX dollars I have call them maybe XXXX times and they give me run around they should not have reported to credit agency for the amount above I had talk to several of their employees they said they would take it off but have not they have called me so many times i faxed them copy of invoice like they ask me 3 times
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( XXXX XXXX XXXX   ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that XXXX XXXX XXXX  were no longer collecting on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex Express, has place fraud information on my credit report. As of XX/XX/XXXX, on 2 accounts I had with the company. One amount Account charged off. {$2800.00} written off. {$2800.00} past due as of XX/XX/XXXX. On the first account I had made arrangement to pay ever month and you can see in the example below, payment were being made on time after the arrangement was agree on by the company through a recorded conversation. At no point in the report it shows the amounts that were paid ' Account History : Charge Off as of XX/XX/XXXX Balance History : XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2900.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3000.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2600.00} / no data / Unknown / Unknown XX/XX/XXXX : {$0.00} / no data / Unknown / Unknown The second Closed. {$320.00} past due as of XX/XX/XXXX. Show the same fraud information by this company, all my payment were up to date and there were no late payment. <P/>Balance History : XX/XX/XXXX : {$510.00} / no data / Unknown / Unknown XX/XX/XXXX : {$470.00} / no data / Unknown / Unknown XX/XX/XXXX : {$430.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$350.00} / no data / Unknown / Unknown XX/XX/XXXX : {$320.00} / no data / Unknown / Unknown XX/XX/XXXX : {$420.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$490.00} / no data / Unknown / Unknown XX/XX/XXXX : {$530.00} / no data / Unknown / Unknown XX/XX/XXXX : {$910.00} / no data / Unknown / Unknown XX/XX/XXXX : {$75.00} / no data / Unknown / Unknown I will like the company to see there file showing the account was late at anytime?