23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX zelle took XXXX  days to deposit money into my account. It happened a couple of times for different amounts.
Product: Credit card or prepaid card

On XXXX XXXX, I noticed that my recent Apple Card transactions did not appear in my Apple Wallet as they normally do. The most recent transactions I was able to view were from XX/XX/2023. Transaction history does not appear online, nor anywhere else except Apple Wallet, yet I am still being prompted for payment, I can charge to the card, and interest accrues. I can do everything except see my transaction history. When I contacted Apple Support, they mandated that I have to update to the most recent XXXX in order to view an accurate transaction history. 

Transaction history should be viewable on the web AND the app, and users should not have to update to the most recent XXXX for simple functionality. I was never informed in the TOS nor by Apple that this was a requirement to view my own transaction history.
Product: Credit reporting or other personal consumer reports

I sent XXXX dispute letters to Experian on XX/XX/XXXX and XX/XX/XXXX, disputing inaccurate information on my credit report. Specifically, I requested the following corrections : My name is misspelled on my report. 

My current address is not listed, and outdated addresses remain on the report. 

Old employers are listed, but they are no longer accurate. 

Despite my repeated efforts to have Experian correct these errors, they have refused to make updates or remove outdated information. This has caused ongoing issues with my credit report. 

I have provided Experian with supporting documentation, including proof of my correct name, address, and additional documentation to support my dispute. I have not received an adequate explanation or resolution from Experian regarding why these changes have not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and balance listed on my Experian and XXXX credit report are lost/stolen and fraudulent transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.
Product: Checking or savings account

This complaint is a follow-up complaint of the previous complaints ID XXXX AND XXXX. In the first letter dated XX/XX/XXXX, Ally Bank admitted that its online banking was down a lot that I could not make my bill payments. In that letter and the letter dated XX/XX/XXXX, Ally Bank denied that its online banking was down on purpose to discriminate me and treated me unfairly. In the letter dated XX/XX/XXXX and XX/XX/XXXX, XXXX kept saying they closed my accounts because I did not take good care of my accounts. HOWEVER, THE KEY HERE IS THAT XXXX FAILED AGAIN TO POINT OUT EXACTLY WHAT I DID WRONG TO MY ACCOUNT BESIDES I COMPLAINED IN THE PAST THAT THEIR ONLINE BANKING WAS DOWN A LOT THAT I COULD NOT MAKE BILL PAYMENTS. THIS PROVES THAT XXXX AND ALLY BANK ARE BIG XXXX LIARS. Ally Bank closed down all of my accounts just because they revenged that I complained a lot.
Product: Debt collection

I have received notice from Transworld Systems Inc. that I owe a debt that they can not verify I owe. I have on multiple occasions requested proof of debt, and have had no luck in correspondence from them about the debt ( See attached images ). I have not received emails verifying the debt, or any correspondence proving I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. XXXX shows XX/XX/XXXX, and Transunion has XX/XX/XXXX and XXXX HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXXXX Account # XXXX Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting or other personal consumer reports

I cant get a second, updated copy of my credit report in a year I need for a legal proceeding. The only options they give me for a full report is the free credit report option, which Ive already used this year, or call their automated voice input system. I cant get past the automated system which only uses voice input. Ive had speech therapy and I have an unusual pitch range, kind of between male and female that obviously this system has not been trained on. So it cant understand me and it hangs up on me. I have no way to contact customer service without this automated voice system.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a Federal Trade Commission Report put in ( Attached ) who has collaborated with local law enforcement in creating a Police Report ( Attached ). For the following accounts on my credit report by creditors who have violated federal, and state laws in using deceptive/fraudulent credit reporting tactics. These accounts were removed, and re inserted on my credit illegally. Experian is required to remove these negative items. Since the evidence that was submitted is being ignored, the law enforcement report is evidence enough to warrant a removal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT WAS APPLIED FOR IN MY NAME
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$4000.00}XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$13000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

I tried logging into my account during work and could not log in. I called into Navy Federal to see what was going on with my account and why I could not log in. I was advised that my account had been compromised online and that there was a mobile deposit made to my checking account which raised the suspicion of the XXXX Department at Navy Federal. I was told I could not bank with Navy Federal again until the issue is resolved which is against the law since I am truly a victim of identity theft. I can not be denied an account that I did not commit fraud on, which again is against the law. I will be getting my lawyer involved if this issue is not resolved. I have been a member with Navy Federal since 2018 and have never committed any fraud or missed any payments/deposited suspicious funds into my checking account. I highly believe my information may have been hacked somehow. I would like this resolved immediately please.
Product: Debt collection

On or about XX/XX/XXXX, I went to Quality Urgent Care in XXXX XXXX, Texas for an unusual urgent visit. I am employed by the XXXX as an XXXX XXXX XXXX and I was stationed in XXXX XXXX, Louisiana at time while visiting XXXX XXXX for 30 days. I immediately reported the visit to XXXX or XXXX when I got back to XXXX XXXX. On or about XX/XX/XXXX, I received a notification by all three credit bureaus via application notification on my smart phone that all of my credit scores had dropped an average of 100 points due to Sarma Collections being added to my credit report without my consent. I immediately contacted Sarma to see why this was added to my credit reports and she did not provide with sufficient response. I told her that XXXX should be taking care of the bill and you should remove this debt until you give XXXX some time to look into my claim and pay for it. She told me she would call XXXX to clear this up and I did not receive any information. Sarma Collections and their phone number is ( XXXX ) XXXX. I paid the debt of {$320.00} today to Sarma Collections and requested that it be removed because of violation of the Fair Trade Commission Act on my behalf. Also, her excuse for me not being contacted is that I changed my address. It is not right that I was not given the proper amount of time to pay to debt so it would not post to my credit report. I am trying to buy a house and I also have a security clearance to maintain my job that will be affected behind these subpar business practices to get consumers to pay debts. Please help me get this collection off all of my credit reports.
Product: Debt collection

This is wrong, unknown and I do not owe this. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now this account is showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened -XX/XX/XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act
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 XXXX : XXXX Account Number : XXXX has violated my rights. Or 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: Credit card

We purchased a washing machine from Lowe 's on XX/XX/24 by opening a new Lowe 's credit card account.in order to receive a {$100.00} off discount. I was told the transaction would not be posted to the new account until I received the washer delivery which was delayed until XX/XX/24. Today, XX/XX/24, I received an email stating my Lowe 's credit card payment was past due. I have not received any statements in the mail as of yet. I registered my new account online, set up paperless statements, set up auto-pay and made my first payment on XX/XX/24. When I view my Statements online, it says, " No statements available. When available, you can view and download XXXX  statements from this page. '' Why am I being penalized for missing a payment ( {$30.00} late fee ) when there has not been a statement generated as of yet for this account? Is this not a regulation violation? I have already called and spoken to customer service who admitted on the recorded line that he apologized for the delayed statement and kindly waived my late fee and interest ; however, I want this matter looked into as I feel this is a regulatory violation as I was not provided a due date, minimum amount due or anything reflecting my balance. I also want to ensure my credit bureau report has not been impacted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported incorrect and unverified information to all three credit agencies. They claimed that this information was verified by the bankruptcy court. I requested the information of the individual persons name and contact information who verified this information. I have submitted this in affidavit form in which I have not gotten a response. I did submit an affidavit to the bankruptcy court in which they replied that they don't verify information with no third party companies. Basically XXXX XXXX take upon them selves to search public records to provide this information which could and could not be accurate. Everything on public record is not accurate and error are made all time and never corrected. This seem to be something XXXX XXXX is doing strictly for monetary gains no matter how it hurts the individual. The credit agencies is reporting this information with out 100 % verification only what another third party is telling them what they claim to be accurate.
Product: Student loan

I was paying {$520.00} a month on my student loans in 2017. I lost one of my part time jobs which reduced my income by {$10000.00}. My payment increased to {$740.00} dollars which I can not afford. I supplied them my pay stubs that showed I have only one job now with the XXXX XXXX XXXX. They used my gross amount to calculate my payments which increased them by {$200.00} a month which is not right. Now I am in default because if I paid anything less then what they demand I would still be in default. 

My payments where quoted by their rep as {$430.00} which I can make and was told it would be changed. I started this process in XX/XX/2017 and still get XXXX from them. 

I spoke with XXXX # XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

Still lying about still working on the issue THEY WORK ON NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint with XXXX XXXX, Experian, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of XXXX - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.
Product: Checking or savings account

I have bank account with bank of America and didn't receive the money that cfpb enforce bank of America to pay it to their customers.
Product: Credit reporting or other personal consumer reports

I was a victim of account fraud on XX/XX/year>. I received a call from the bank twice explaining that someone was trying to access my account. The second call came from the fraud team. I followed all the instructions given simply because I got the call from the number of XXXX XXXX  and I was told that Im speaking to a fraud specialist. I was told that an investigation was opened on my behalf however I still went into the branch to make sure my account was ok and to regain access. This was when the associate told me I was a victim of fraud and these person used the bank phone number to call me and applied for a loan of XXXX. I was told that XXXX XXXX is aware of this matter as it is an ongoing issue and it would be taken care of by their claim team. I have filed XXXX times to the claim department and my claim was denied all times even with a police report being filed and investigation done with XXXX. I was told they could not help me in this situation, even though I didnt apply for the loan and had no idea who did.
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 U.S.C. 1681. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX ; has violated my rights to privacy. 

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

- 15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account information without my written instructions.

- 15 USC 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 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Filed a complaint w/ CFPB via # XXXX about Experian 's data handling issue. Their response took 60 days and it didn't even address the issue I reported. CFPB closed the ticket w/o checking which forces me to submit another complaint.

There's a flaw w/ Experian 's account login access verification process in that their system kept sending login verification code to my landline which I've already discontinued. I tried multiple times reaching them by phone and w/o the verification I can't get through to their live customer service dept, but I can't get the verification w/o having my old landline that's been discontinued for months. I also wrote Experian a letter seeking assistance but never rec 'd any response. 

If I'm having this much difficulty reaching them about their database error, one can only imaging how frustrating it would be to contact them if there's any identify crisis or fraudulent charges to one 's account!

Please help me resolve this issue w/ Experian ASAP. Thanks.
Product: Payday loan, title loan, or personal loan

I took out a personal loan on XX/X/15 for the amount of XXXX paid over 3 years. To my surprise what I thought was a 24 % interest loan turned out to be will over 46 %. I have paid into it currently {$7400.00}, and I am told I have another {$3800.00} in interest alone, another year to finish, which brings my total to {>= $1,000,000}, {$5300.00} in interest alone, I find that disheartning. I have never missed or been late and find the amount owe egregious and overbearing, especially when considering the amount of interest owed.
Product: Credit reporting or other personal consumer reports

All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. OneMain Financial - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX