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

I have noticed some inconsistencies and errors on my consumer report. I have disputed inaccurate information as well as hard inquiries and accounts that shouldn't be on a consumer report that have been used as determining information to assess my credibility without my consent, which has caused wrongful denial to credit. I do not recognize, have ever consent or agreed to, or have authorized any of the companies reporting on my consumer report to furnish, use, or transfer my personal consumer info. Please investigate these, and provide me documentation of the methods you used to get the info, the sources you got the info from, the methods of verification, and and the original agreements or authorizations used to report. Please investigate XXXX, Equifax< and XXXX and i noticed they are all reporting inconsistent and wrong information include different consumer scores and they are reporting that my scheduled payments are not reflecting my paid payments when i have made all my payment son time.
Product: Credit reporting or other personal consumer reports

i am filing complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a through investigation. this practice violates the FairCredit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigations.
Product: Credit card

On XX/XX/year>, I made a purchase through XXXX from XXXX for {$160.00} using my Apple Card. The merchandise delivered was defective ; the mandarins were moldy, and the apples were severely bruised and unfit for consumption. I reported this issue to XXXX by XX/XX/year>, well within their stipulated seven-day period. Despite XXXX 's acknowledgment and assurance of a resolution, the issue remained unresolved, prompting me to initiate a dispute with Goldman Sachs Bank USA, the issuer of my Apple Card. 

I submitted detailed evidence supporting my claim to Apple Card Support, including photos of the damaged goods and a thorough description of the defects. Despite my efforts, on XX/XX/year>, I received a decision stating that no billing error occurred, and the temporary credit of {$160.00} was reversed. The decision indicated that the merchandise was delivered undamaged, which contradicts the evidence I provided. 

Additionally, XXXX, through their representative XXXX, confirmed via email that they would not be contesting the dispute and that the funds had been withdrawn from them by the bank, indicating that they recognized the validity of my claim. This confirmation from XXXX clearly shows that Apple Card/Goldman Sachs mishandled my dispute. 

Throughout this process, I made multiple attempts to resolve the issue, including contacting Apple Card Specialists via the Wallet app and over the phone. However, my concerns were not addressed, and the outcome of the dispute was unsatisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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
Product: Debt collection

On XX/XX/year>, I received a notification from Privacy Assist ( XXXX XXXX XXXX  ), a service I pay for, with an alert on my credit report. The alert indicated that I had a credit card debt with XXXX XXXXXXXX that appeared on my Experian credit report. 

I followed up to create an Experian account and found the credit report alert. I proceeded to call Experian for more information about the alert, and they saw that there appeared a credit card to the name of either XXXX, XXXX, or XXXX ( can't recall well the third name ) with the last name XXXX XXXX I told the Experian representative that my full name was XXXX XXXX XXXX XXXX. Since I'm XXXX XXXX, and in our culture, we use both our parent 's last names, they might find an account with the two last names, never only using the XXXX. 

Based on the validation of my information, the Experian representative saw that it might be an issue regarding an error of mixed accounts since there were multiple similar names, and I have never lived in XXXX, where the account appeared to be registered. Ive lived all my life in XXXX XXXX and in my actual home for the last 12 years. After checking this information, she told me that there was a chance It might not be an identity theft issue, but she had to pass the call to the fraud team, which she did. 
The following representative who attended the call validated all the information again and told me that they would open an investigation and that I should follow a few steps to complete it, which brought me to write this email.
Product: Credit card

I have a Citibank credit card which had a credit limit of {$10000.00}. I have a balance of roughly {$2300.00} and only a 17 % credit usage. I went to pay my monthly bill and I noticed I only had {$60.00} available credit. Citibank lowered my credit limit enough to max me out 100 % /causing my credit score to severely be impacted. How is this legal? I have a 100 % rating for paying back my bills. I have never missed a payment so I think this is completely unjust and should be illegal. What if I was away or needed to put gas in my car or an emergency happened and I thought I had the funds to take care of the issue to come to find out I have no credit available? Furthermore, because they maxed out my credit limit, once the interest payment kicked in, that would have put me over the limit causing an over-the-limit fee and a hit on my credit report. This is financial institute abuse and it needs to be reported and dealt with immediately. Is there something that can be done to prevent them from doing this to myself and all others who act in good faith and are good clients? This has to be fixed and they need to be held accountable for causing me this much distress and hurting my credit reputation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about a few charges not being correct on my credit card to the credit card company. They fixed one of them the other two they were working on but all the sudden they put my credit card ito {$0.00}. I've never used my credit card down that low before. XXXX XXXX put on there the {$0.00}. I've asked him multiple times to correct it they keep dragging their feet and now I'm paying for it because it shows that I am 70 % of my credit rating because I haven't paid my credit card off because they're not giving me the right numbers due to the investigations going on. It's been about a month and they still have not corrected the amount on my card. I've asked multiple supervisors to fix this I've called multiple times it seems like they're dragging their feet they don't want to correct it so I'm paying with for it showing that I have bad credit on my credit report because I'm full on that card which is not true. Every month I've paid that credit card in full up until now they're the reason why I'm not paying it off because I don't know where I'm at. It's not fair for them to report to the credit bureau that I'm XXXX 70 % up on my credit card I wouldn't be there if they'd give me the proper denomination of where I'm at on my balance. It almost feels like they're stealing money from me. I would like this corrected immediately I can't keep making phone calls I'm getting stressed out I'm a XXXX vet. They're treating a XXXX vet like I'm a homeless guy. Please have somebody fix this.
Product: Debt collection

I have a collection account on my credit reports for a medical debt that was paid by my insurance and I have disputed the his with credit bureau and the debt collector who has refused to respond to my letters for proof of debt
Product: Credit card or prepaid card

Good afternoon, Recently I have made several attempts to apply for the XXXX XXXX XXXX. According to XXXX 's Terms and Conditions, I am free to apply for this card as my account is in good standing. When I first applied for the card using my XXXX e-mail address, I was given the error that I already had a XXXX XXXX or XXXX XXXX linked to my account. This is not correct, and I am continuing to receive this error. My PayPal Extras Mastercard account that was present on this XXXX was closed and is no longer showing on my end. When I spoke with Synchrony, they confirmed that the account was closed as well. 

The few times I have spoken with XXXX ( recorded on their end per their company policy ), I was told that the issue was with Synchrony, as they can also confirm that there is no PayPal Mastercard or XXXX XXXX account present on the XXXX XXXX account. There is a XXXX XXXX product on my alternate XXXX account, the XXXX account, but this is a seperate account that should not come into play here as it is on a seperate XXXX account. To be clear, there is no active credit product present on the XXXX XXXX account, yet I receive the error even after changing devices, logging out, logging back in, and performing basic troubleshooting steps. 

At this point, I have spoken to both XXXX and Synchrony bank today and in prior dates. XXXX continuously pushes me back to Synchrony and Synchrony suggests that opening a new XXXX account is the only way to resolve this matter. This is not correct, and it is deceptive to display messages on my account and to my email address asking that I apply for this credit product to then tell me I am not eligible. On XXXX XXXX, there is a scrolling advertisement to apply for XXXX XXXX ; this is significant because it would not show on my account if I had an active Credit product already present, per XXXX 's original terms and conditions when I worked there XXXX years ago. For this ad to display, it confirms that XXXX shows that a Credit product is not active and it wishes for me to apply for XXXX. I am willing to, but only for the XXXX XXXX Mastercard that I am entitled to based on my XXXX account itself being in good standing and the Extras Mastercard account being closed. Thank you. Please let me know if there is anything I can do to assist in this investigation. 

At this point, this XXXX complaint is being filed against XXXX and Synchrony bank for their inability to use their own terms and conditions to allow me to obtain this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 Carrington Mortgage received {$1100.00} from my bank and deposited the money in their account but they put the amount on hold. The hold was because a discrepancy in the escrow account due to the H06 insurance increased. The correct amount was {$1200.00} therefore, there was a discrepancy of {$110.00}. I never received any e-mail or mail regarding the discrepancy to get my attention. They said they tried to call me, but because the many unsolicited calls I get from Carrington my phone system might have blocked the call.

I would like to point out that Carrington DO NOT send statements via e-mail or mail. They only send an e-mail with a link saying that documents are available online and do not show any amounts which would have gotten my attention. 

On XXXX I went into the website and I realized that the amount had change. I immediately contacted Carrignton and the agent told me to pay {$230.00} ( two months ) to bring the account current. He said to go to the site and pay it, which I did. However, instead of taking only the {$230.00} for the escrow difference the site took {$2700.00}. Which is 2x the {$1200.00} + {$230.00}. I realized this when I got the confirmation e-mail.

Since then I have been calling Carrington to get my money back to no avail. Please remember that they already had the {$1100.00} from XXXX payment. So in total Carrignton Mortgage took from me {$3800.00}. They apply these funds without consulting me and posted on the web portal that my account was paid until XXXX. 

However, the real injury is not that I'm out thousands of dollars but that Carrington also reported my account as delinquent. I had excellent credit before this fiasco but the late payment report took XXXX XXXX  from my score. This will greatly affect many areas of my financial life and the ability to get a fair deal on loans for the next 3 years.

This is totally unfair because there was not LATE PAYMENT. I have called several times and I have spoken to a supervisor and they keep saying that the late payment is correct and there's nothing they can do. The system is designed on their favor
Product: Credit reporting or other personal consumer reports

Im writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : XXXX XXXX XXXX XXXXXXXX XXXX ( Also known aXXXX XXXX XXXX XXXX XXXX XXXX - **Account Number XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX XX/XX/2024 - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Checking or savings account

On XX/XX/2022, I was the victim of a XXXX scam in which another person coerced me into sending XXXX dollars through XXXX for a " refund '', by sending me an email under the guise of XXXX claiming overpayment by one " XXXX XXXX '' and need for me to refund money to him by sending it to him through XXXX. 

I recognized the scam after the XXXX dollars was sent, when a second email was sent to me by " XXXX '' asking for more money to be " refunded '' to " XXXX XXXX ''. 

I immediately called Chase and alerted them of the issue. They did not reimburse me for the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( XXXX Bank ) Making the report is NOT INCLUDED on my Consumer report!
Product: Vehicle loan or lease

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Checking or savings account

Today XX/XX/XXXX at XXXX XXXX MST I went to the drive thru ATM to deposit {$810.00} cash funds. I was in a rush trying to get this done before XXXX XXXX  so I can pay my rent. I have never had problems in the past depositing cash at the ATM. When the ATM took my money it spit out a receipt to call XXXX. This number does not get me to the correct person. Its Automated. Then I go into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT branch only for them to tell me they cant do anything and to call that number again. They did say they would give me my funds back immediately if I called a direct number that I begged for. I called that number which told me they filed a claim but it would take 2 days! They did state I would get a temporary credit on my account within XXXX hours but nothing has been shown. They had no remorse for me potentially getting evicted because of them.
Product: Credit card

I am writing regarding my transaction with XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a charged of XXXX. The two rugs I ordered were supposed to be delivered one week earlier, but instead, they were sent to the wrong address despite my repeated attempts to update the delivery address with both XXXX on XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. As soon as I realized the issue, I submitted an investigation request to both XXXX  and XXXX XXXX XXXX XXXXXXXX. Additional, I put a dispute in with Chase on XX/XX/XXXX. As of XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX has agreed to refund my money. However, Chase Credit Card Company will not refund me the money that was refunded to me by the company XXXX.
Product: Money transfer, virtual currency, or money service

The transaction of {$210.00} ( XXXX Euros ) was made in error and paypal was notified immediately of the error. Two duplicate transaction was made for the same amount for photography services on XX/XX/2018. However, one of the payments were made in error because they were not the correct merchant to provide those services. I attempted multiple times to resolve this issue with paypal over the phone and kept having my claim denied. I was in direct contact with the merchant and was told by the merchant to cancel the transaction because I did not use the correct email address. I explained this multiple times to PayPal and they kept denying my claim and they told me it was my fault for sending money to the wrong person and I authorized the transaction in question. I have email copies from the merchant saying to cancel the unauthorized transaction to the wrong individual. I have been trying since last year to resolve this claim.
Product: Debt collection

I would like to tell you Experian, this will be your last change to change your lies, about my person due is complete ilegal. 

I am letting you know, on your face, you got money, you got the power, use it as Law in USA say, use it on the favor the people of america.

Do not Insult USA with your behavior, Take me court, Please i beg You, show and say, what you said in front of a Judge, let see your Hypocresy.

You and XXXX XXXX XXXX Insult me in so many ways and times, as XXXX, call me one day Oh XXXX XXXX who do not know anything about credit. You guys really believe that people are XXXX, Just because you got the power. NO < NO you guys stink in this country If I can not prove all your lies in front of a Judge, declare me Guilty and to my sentence add 5 more years, just because I offend you.

Show to America, who you really are, is insane all your fakes staments, take my advise i can sing to make legal a doument, that if i Can not prove who you are, add 5 more to my sentence. 

What you got to loose, lets go to court your, any way, with all the money XXXX, XXXX XXXX XXXX XXXX have taken from me, your lies, i will owe soon more than {$10000.00}, maybe there i will be able to take you to court. 
You Experian andXXXX XXXX insult me giving me $ XXXX credit,, What happen to the time your charge me {$29.00} + {$39.00} twice on my account, you ever remember?? that you charge twice, so you guys, you really consider me XXXX, you never give that money back, What you say now, you do not remember?? 
To me do not matter if one day you remember and want to give me that credit, do not bother, just donate, that money to any XXXX charities, you will make them so happy. 

IF you need a copy of my bank statement, just ask, I will be glad to show you. 

God bless America and bring XXXX for presidente Again
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as Experian are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge Experian to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect Experian to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information.

I demand that Experian takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that may compromise my privacy. I request that Experian provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that Experian upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.