23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  has violated my rights.

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
Product: Credit reporting or other personal consumer reports

I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving XXXX XXXX on my credit report. 

With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of XXXX credit in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - XXXX credit is a bloody scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent jokers. 

The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with XXXX. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of XXXX allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face. 

To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in 2019 a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious XXXX XXXX XXXX XXXX XXXX The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information. 

It is sheer lunacy that we're still ruminating over this issue. XXXX is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it. 

I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated. 

I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation. 

Yours in absolute dissatisfaction,
Product: Checking or savings account

TD Bank needs to unenroll my email address from XXXX as I have closed my account. They will not do so.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX COAST TO COAST FINANCIAL Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COAST TO COAST FINANCIAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

On XXXX17 an online payment was made paying off balance of {$1200.00}. I did not initiate or make this payment as I had made a payment 3 days prior. I called Citibank and reported this to be fraudulent. As my checking account is tied to the CitiBank card via their website to make paying my bill easy. The credit card account had a very small available credit left on it. Asked to speak to fraud as again I stated I had not initiated this payment and was concerned that my information had been compromised and another made payment using the bank account on CitiBank website thus freeing up credit line enabling fraudulent charges to be made. CitiBank informed me that fraud does not work that way and that there is nothing they can do as it was an online payment. My personal bank was informed, they immediately put a stop payment on this charge being presented and advised I call CitiBank back and inform them of the stop payment. 
CitiBank was notified via phone and I was informed that I would incur a return check fee, as again they did not feel this was fraud. 
I made a 3rd phone call to Citibank again asking for the fraud department, I was denied speaking to them as they deemed this payment was not fraudulent. A supervisor did speak with me, she closed my account and promised to refund the return check fee when it appeared on my account. She also stated this is not a fraudulent transaction and that she was doing this as a precaution. 
This was a potential disaster, I had to beg and insist that it be remedied. I felt it was naive to deem it nonfraudulent because it was a payment. Again my bank account information is on the Citibank website so that I can easily make payments. It seems to me if someone got my info, got online and initiated payment allowing credit limit to be restored, they could have gone out on a spending spree with newly freed up credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report from Experian

online and found the following items listed on my credit reports. ( U.S. Bankruptcy Court ) was inaccurate. After seeing my report i sent a dispute letter of Method requesting the following 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute which this dispute letter is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). After Experian finish their investigation they stated that information being reported was verify with the courts and there will be no changes to my report. After receiving these results, I then contact the U.S. Bankruptcy courts office, asking them do they verify any information with any company. I was told that The United States Bankruptcy Court d
oes not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files.
Product: Credit card

I am filing this complaint regarding Goldman Sachs and the Apple Card for their failure to resolve recurring unauthorized Apple-related charges on my account and for reversing prior credits without explanation.

Issue Summary : 1. Unauthorized Charges : Since XX/XX/XXXX, recurring Apple-related charges have been billed to my Apple Card despite my prior Apple ID being deactivated in XX/XX/XXXX. My attempts to obtain an explanation or resolution from Goldman Sachs and Apple have been unsuccessful.

2. Reversal of Credits : Some charges were temporarily credited but were reversed without any notice or justification. This includes disputed charges that appeared continuously on my statements from XX/XX/XXXX through XX/XX/XXXX. 
3. Overpayment : Based on my reconciliation of charges and payments, I have overpaid {$21000.00} ( excluding a recent payment of {$330.00} to settle Apple installment purchases in full ).

4. Account Mismanagement : Automatic payments have been debited monthly from my checking account, exceeding my actual purchases, while disputed charges remain unresolved. 

In XX/XX/XXXX, my Apple ID of over 10 years was deactivated by Apple without my request. Apple confirmed this was irreversible and advised me to create a new Apple ID, that is not linked to the aforementioned Apple Card. Since that time : - My Apple Card account was billed for unfamiliar charges.

- I lost access to review charges from the deactivated Apple ID.

- Neither Apple nor Goldman Sachs has provided clarification on the origin of these charges. 

Despite my efforts to dispute these charges, they continue to appear on my account each month. The recurring charges suggest they stem from the deactivated Apple ID, which should not generate new transactions.

I disputed the charges with Goldman Sachs via phone. I continued making automatic payments to avoid penalties, trusting the matter would be resolved. On XX/XX/XXXX, Goldman Sachs closed my Apple Card account, with all permissions revoked except the repayment function. 
On XX/XX/XXXX, I sent Goldman Sachs a letter of dispute that I wish my Apple Card account to be reconciled, to determine the nature of the recurring and disputed Apple-related charges, and to credit my account as appropriate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  - XXXX FDCPA Section XXXX Violation Misleading False Reporting -DELETE! 

XXXX XXXX XXXX XXXX XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXXXXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Student loan

My account has been placed into multiple different payment plans. I have been enrolled in the PSLF plan for many years and when my accounts was switched from XXXX XXXX XXXX to Mohela ( my current servicer ) I have had nothing but issue after issue since XX/XX/XXXX. Initially I called them because they automatically placed my plan into the extended graduated plan for which that particular payment plan does not qualify for PSLF. When I called then, they stated that because I had made so many payments when I was with XXXX XXXX XXXX I was essentially grandfathered into the extended graduated plan. Fast forward one month later, XX/XX/XXXX I saw that my payment increased significantly, so therefore I called again to try to figure out why my payment increased. Long story short they put me into the SAVE payment plan. They placed me into forbearance at that time so that I can be put back into the grandfathered plan of extended graduated plan and I was assured that it would be counted towards PSLF. 

I called they yet again in XX/XX/XXXX because there was another issue with my student loans and I was on hold for close to an hour and 45 minutes before I was able to speak to a real person in regards to my account. 

In XX/XX/XXXX I started school at XXXX XXXX  for my XXXX XXXX XXXX and I had to take out student loans, I was contacted from Mohela toward the end of XXXX via email stating that my student loan payments would resume in XX/XX/XXXX because I am enrolled at least half time. 

In XXXX, I log in to my account to see that I was delinquent because my payment on my student loan account wasn't made on XX/XX/XXXX so I hurried up and made a payment because I don't do " delinquent '' on anything related to my credit. Meanwhile, I was told that my loans was put into deferment in XXXX and didn't have to make payments while enrolled in school so I call Mohela yet again for another issue that they caused.
Product: Checking or savings account

My balance fell below threshold for a certain checking account type, and without my knowledge PNC bank started automatically instituting monthly fee. I received no notification that I was going to be charged this and instead only discovered it when closely reviewing my transactions. 

The bank refunded one month but this had been already going on for 6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account being reported on my Experian report from XXXX XXXX with a balance of {$570.00} that was opened in XXXX fraudulently using my name, social and my month and day of birth, however the year was changed to make me appear to be XXXX ( I was XXXX in XXXX ). I disputed this information with XXXX XXXX they agreed this account was fraud and sent me a letter stating this. They also said they would submit the info to credit bureaus to remove. Both XXXX and XXXX removed, however Experian did not. So I submitted a dispute to them XX/XX/XXXX including the letter from XXXX XXXX that this account was fraud and was to be removed. On XXXX less then 12 hours later- I received notification that they " verified the account and it remains ''. I spoke to XXXX XXXX they again told me that this account was not verified as accurate and should be removed. I called Experian and was told all I can do is resubmit a dispute- which I did XXXX and again on XX/XX/XXXX was notified of same results. This account is fraud. The company that reported this account stated it was fraud as I was a minor and someone used my info and should be removed. Yet Experian even with the letter from XXXX XXXX is not removing. Therefore not accurately reporting.
Product: Student loan

This company repeatedly calls and fills up my voicemail with people speaking in terrible English about my student loans. I do not receive statements from them telling me when my payment is due. I have just been diagnosed with XXXX and am currently struggling and they are unwilling to work with me. All they do is call and call while I 'm trying to recover from my current episode. They are also making it difficult for me to receive important phone calls from my doctors because they fill up my voice mail. They use an autodialer to call me on my cell phone which I have specifically asked them to stop calling. How can I make payments when I do n't receive any statements? They give me no options on alternative payments just harass me daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of identity theft since 2008 my information got leaked out through XXXX College in XXXX XXXX XXXX XXXX scandal all the way to now plus the credit company which is u guys got hacked and my information was leaked equifax all my information was stolen then Im tired of going through the pain and suffering due to the action s of those who is supposed to have protected me especially when u r affiliated with the government I AM NOT A CRIMINAL I AM A VICTIM AND ITS TIME FOR SOMEONE TO PAY ME BACK FOR THIS PAIN I HAVE ENDURED FOR TO AMN LONG
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion due to the inaccurate data that is reporting. please delete an remove all information submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX, ./// EQUIFAX, XXXX and XXXX willfully violating the FCRA XXXX Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX./// EQUIFAX, XXXX and XXXX based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// EQUIFAX, XXXX and XXXX are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX, XXXX and XXXX need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy . My consumer right to privacy has been breached in multiple counts, for multiple accounts by these agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) EQUIFAX, XXXX and XXXX may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE all accounts associated with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX immediately from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files.

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 ) XXXX XXXX Co ( Account number XXXX )
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent charges to my Citi bank checking account totaling almost {$500.00}. On XX/XX/XXXX I spoke to a representative who started the dispute process. The rep informed me a new card was being expedited and that after the call was over a credit for the full amount would be in my account, but that I wouldnt be able to access the app for a bit. I kept checking the app and once I was able to log in the credit was not there. I reached out again and the second representative told me that that was indeed not the case and Id have to wait up to 10 working days. My car payment is late now and because of Citis lie I have no idea when Ill be able to pay it and may face repossession. Id just like my money back!!
Product: Checking or savings account

In XX/XX/XXXX I was involved in an internet scam, but unaware at the beginning of the transaction. On XX/XX/XXXX I was charged with XXXX XXXX XXXX XXXX. Bank of America, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX sued me for XXXX XXXX on XX/XX/XXXX in XXXX County, XXXX. 
I am XXXX years old, and my source of finance is a retirement check for {$460.00}, and a Social Security check for {$890.00}. These two amounts are my only monthly income. I have been in XXXX, XXXX all my life until I left XXXX in XX/XX/XXXX after my probation period was over. On XX/XX/XXXX I moved to XXXX, XXXX. I owned/operated XXXX XXXX XXXX XXXX, State of XXXX  Department of Children and Families in XXXX, XXXX XX/XX/XXXX- XX/XX/XXXX. Since returning to XXXX, XXXX on XX/XX/XXXX, I have been trying to gain employment, but have not been able to obtain a job due to the lien on my criminal record. 
My livelihood has been affected because I am unable to get a job because of this lien. I have been sending documents since XX/XX/XXXX to the Background Screening Unit to get an exemption from Disqualification from the State of XXXX Department of Children and Families, it is a long process. 
In the process of re-sending all these documents ; I learned two months ago that Bank of America had sued me, the same Civil Restitution Lien Order that was filed in XXXX County on XX/XX/XXXX was also filed in XXXX County, XXXX on XX/XX/XXXX.