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

XX/XX/XXXX : made purchase of {$330.00} using Apple Card for XXXX gym membership at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA. The agreed upon period was XX/XX/XXXX to XX/XX/XXXX. See Sales Contract attached. 

XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX closes all its locations due to XXXX, and as required by CA XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX mandates . 

XX/XX/XXXX - As COVID  and government mandates still in place, I request for a refund of my membership fee but am unable to reach XXXX XXXX XXXX and was transferred several times until I was disconnected. 

I call Goldman Sachs Apple Card to request a dispute of the chrage because the merchant is unable to fulfill the terms of the signed contract and I would kindly like to request a full refund ( or pro-rated 13 months ). 

XX/XX/XXXX - Apple Card/ Goldman Sachs sends me an email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase '' This is NOT the dispute. The dispute is because XXXXXXXX XXXX XXXXXXXX is unable to open and therefore is holding my money until they can open. My contract I signed says a specific time period for the membership. 

XX/XX/XXXX - On the same day I receive this " resolution '' email. I call Apple Card/Goldman Sachs support again and explain the situation thoroughly. They say they understand and make notes to ensure the investigation will look at this reasoning. 

XX/XX/XXXX - Apple Card/ Goldman Sachs sends me an the EXACT same generic email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase ''. Clearly Apple Card/ Goldman Sachs did not listen and take into consideration my contract. XX/XX/XXXX - I call Apple Card/Goldman Sachs again and explain everything over in detail AGAIN. They take notes and said will re-issue the dispute. XX/XX/XXXX - I receive an automated email from Apple Card/Goldman Sachs requesting any additional info/evidence. I send via email my XXXX XXXX XXXX  signed contract for them to view. 

XX/XX/XXXX - Apple Card/ Goldman Sachs sends me the EXACT same generic email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase ''. They did not even look at my contract. 

XX/XX/XXXX - I call Apple Card/Goldman Sachs again to request to re-issue the dispute and to please look at my contract. I follow up to their evidence request with even more evidence such as CA state mandates, and how XXXX XXXX XXXXXXXX is not following safety protocols for the XXXX weeks that they were allowed open during the summer. XX/XX/XXXX XXXXApple Card/Goldman Sachs AGAIN just sends me a generic email saying the dispute was resolved in favor of XXXX XXXX because they provided evidence that I made the purchase. Again, this is NOT why I am disputing the transaction.
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. 
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 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, h

as 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 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: Checking or savings account

0n XX/XX/17 my computer locked up and i called XXXX XXXX and was tlod there was a charge for XXXX for some XXXX site and i had to get gift cards to offset the charge so it wouldn't go thru and i ended up getting my allowal withdraw to raised to XXXX and purchased the gift cards THE BANK SAID THAT I WOULD BE REIMBURSED. Then I got a letter that the investigation determined there was no fraud occured. YES I TOOK THE CARDS POUT AND GAVE OUT THE NUMBERS I want to recover the money and I have all the information from the call and i'm looking to see what I can do. For XXXX I wood be willing to get a lawyer to help, but I dont know what kind. THE BANK IS TD BANK.
Product: Student loan

I received an email on XX/XX/23 informing me that my loans had been transferred to EdFinancial and that my account was ready to use. However, I was unable to login. On XX/XX/23, I received an email telling me my original transfer date of XX/XX/23 had changed and I would be notified at a later date once the transfer had happened. I attempted to call the company because I wanted to make a large payment and needed to know my principal balance. I was unable to talk to anyone. On XX/XX/23, I received an email saying that effective XX/XX/23, my loans would be transferred to a new servicing system. I again was unable to reach anyone by calling ( extremely long wait times ). On XX/XX/23, I was able to make an account on their website but was not seeing up-to-date income-based repayment information. I was STILL unable to talk to anyone. On Monday, XX/XX/23, I attempted to login and am now seeing none of my loans. I see an error that my loans will be moved to a new servicing system. I have since been unable to log into my account to view my loans and have been unable to reach customer service. I AM FURIOUS! Interest began accruing at the beginning of this month and I can not pay down my principal! I dont even know what it is!!!
Product: Money transfer, virtual currency, or money service

I bought something from the company one time, and someone used their merchant ID, and was charging my PayPal account. I had to cancel my Credit card with my bank, report it to the company multiple times and PayPal twice. It has been fixed, but I just got a call from the fraud person trying to get my credit card number. The number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XXXX XXXX XXXX {$630.00} Balance updated XX/XX/XXXX 25 late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times about the incorrect personal information they are reporting on my consumer report and they have refused to remove it. As a Credit Reporting Agency they are supposed to be reporting accurate information only. There are several addresses, employers, and phone numbers I am not associated with.
Product: Payday loan, title loan, or personal loan

ja m a Service Connected XXXX Veteran with XXXX  health diagnosis. I became unable to work full time and began to have financial hardships. I was waiting for unemployment and needed some money to carry me until it was approved. This was in XXXX XXXX XXXX. I contacted XXXX and told them about my hardship and asked for a loan of {$2500.00}. I was told that I had to take out {$5000.00} or more. When I took out this loan I was under duress and was confused about the terms and conditions. I asked what was owed on my account and I was told that I owe {$6700.00} which was {$1700.00} more than I borrowed even though I have been paying for a year. 

Loan Date : XXXX XXXX Loan Amount {$5000.00}
Product: Credit reporting

I checked my credit report on XXXX XXXX and it states I have a Capital One bank account with a limit of $ XXXX that I never opened in XXXX. I 'm born in XXXX. I never had a bank card at XXXX Someone has hacked my identity and I never noticed until now. I do not have a bank account with Capitol One. It is stolen identity.
Product: Student loan

I applied for forgiveness through the Public Interest Loan Forgiveness program on XX/XX/2021, after getting credit for payments they had not properly counted. They confirmed I was eligible for forgiveness shortly thereafter, and then it had been total silence. I have called multiple times for more information, especially as more and more people have gotten forgiveness who applied months after me. Each time I get a different, contradictory response about the status of my application, if I get any response at all.
Product: Debt collection

On XX/XX/2024 Oliver ADJUSTMENT CO is reporting that I owe XXXX. This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale Also on XX/XX/2024 ADJUSTMENT CO is reporting that I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Trans Union will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.
Product: Bank account or service

I have a credit card and checking accounts w ith US B ank and on  X/X/17    I submitted an application for a reserve line of credit. On  X/X/17    I logged on to view the status of my application and noticed a pending document, so I submitted an electronic signature. After submitting my electronic signature, I contacted US Bank at  XXXX  to verify that my information was correct and after being transferred a few times, I was advised by one of the many representatives I spoke with that my reserve line of approved for {$500.00} and on  X/X/17    I would be able to view my line of credit along with other my existing accounts. Since the line of credit was not available on  X/X/17   , I contacted US Bank again and was transferred several times, but was n't able to get the correct information from any representative. On  X/XX/17    I contacted US Bank a third time and requested that my original application be canceled, so I could submit a new application. My second application never processed beyond the information I placed, however, US Bank placed a hard inquiry on my   XXXX   file. Today I contacted US Bank again and went on being transferred from department to department with no resolution.
Product: Checking or savings account

On XX/XX/2022, I got a XXXX XXXX response to a XXXX  item I was selling. The person got my information to send me a XXXX payment for it ( {$1100.00} ). I received an email from " XXXX  '' that said : " Dear Customer, You just received {$1100.00} via XXXX business account deposited from the sender which has been approved but your account receiving limit needs to be upgraded before your pending payment can be deposited into your account. 

What am I supposed to do? 
You are hereby informed to contact the sender to send in an additional payment of {$400.00} so we can provide you with a certificate of your account limit upgrade and immediately this is done your account will be credited with the total sum of {$1500.00} USD Note : The additional payment validates your account upgrade. We sent an alert to the sender in regards to the {$400.00} additional payment to send. We will secure this transaction with high priority. '' Ultimately, I sent the {$400.00} to this person as it was " needed to meet the minimum for a business account transaction ''. He assured me that my {$1100.00} would be sent after. I never received the payment or my {$400.00} back. This was most certainly a scam. I spoke to Bank of America and they were not willing to help at all in trying to get my money back as it was not part of their " fraud protection policy. '' thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent account in my name : - XXXX - XXXX I attached a police report and sent a dispute letter asking Experian to verify the information on my credit report or delete the account. 

My dispute was denied by Experian, there was no thorough investigation, the police report was not taken into consideration. 

This is a violation of FCRA regulations and federally illegal. Experian has been fined in the past for similar activity with consumers.
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX from XXXX XXXX stating that effective XX/XX/XXXX the card could no longer be used and the account will be closed in XX/XX/XXXX. The company filed for Chapter XXXX bankruptcy. I inquired about the affect that this will have on my credit score and their reply was to check with a credit agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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  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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

HELVEY & ASSOCIATES XXXX XX/XX/year> {$540.00} I am writing in regards to the alleged debt associated with [ account number/reference number ], which you claim that I owe. I have recently received a collection notice from your agency regarding this matter. 

Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The original creditor 's name and address. 
XXXX. The original account number associated with the debt. 
XXXX. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied. 
XXXX. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt. 
XXXX. Proof that your agency is licensed to collect debts in [ your state ]. 

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities. 

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. 

I kindly request that you provide the requested information within XXXX  days from the date of this letter. Failure to do so will be interpreted as an admission that the debt is invalid, and I will take appropriate legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to dispute an account with Equifax and they refuse to give me an update the account is not mine and the three other agencies have removed the account from my credit report except Equifax. You'll have better luck taking to a brick wall instead of these people. 

The account that's questionable is XXXX credit auto that was open on XX/XX/2016. 

Again that account is not mine but they refuse to give me any information simply because I can't remember old accounts that I had when I was younger.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the past & also I had some one with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by lexis nexis and then I disputed with lexis nexis after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is Lexis Nexis is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially lexis nexis or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that lexis nexis can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well thank you.
Product: Debt collection

When I called Discover on XX/XX/XXXX after seeing all my XXXX XXXX account that Discover had a balance of {$4100.00} On it saying I owe it. When I talk to Discover, I asked for the date the card was reported lost since I already reported the card lost in XXXX. I was told by a Representative named XXXX from North Carolina That they didnt have a report on file so I then asked was there a affidavit of fraud on file which she transferred me to a representative name that could help me out with that. XXXX said she seen the affidavit of fraud that was filed online on XX/XX/XXXX. She also told me that on XX/XX/XXXXXXXX XXXX XXXX XXXX after they received the notice for fraud, they canceled my old account number and gave me a new one. I let XXXX know that since XX/XX/XXXXXXXX XXXX XXXX XXXX  I havent heard anything from Discover. No emails no messages no phone calls regarding a new account number or even a new card. I then told him that I wanted to have my bank statements sent to me and she said that she couldnt do that. Please help because Discover says I owe {$4100.00} and I know that is not true.
Product: Vehicle loan or lease

I had deposit a  XXXX  check towards the auto loan and it stated my next due date will be   XXXX   2020 but now they adjusted the loan without my knowledge and say my next payment is due next month. I no longer have a car. The Gap coverage refuse to pay there part on the loan. They have not reach out to the insurance company. I have been doing all the work and stressing out over them paying there part for this auto loan.
Product: Credit card or prepaid card

I have the American Express Business Platinum card ; a card that carries an annual fee of over {$400.00}. The reason I pay that huge amount is to be able to use my Membership Rewards points to book travel on XXXX. However, I have not been able to book online on the website. I have tried going so twice ; once about 4  months ago, and again on XX/XX/2017. Every time I try to book a flight on XXXX, COMPLETELY covering the travel with my membership rewards points, the final screen says payment failure and I am unable to book. I have called in, and the travel team has indicated that this is a known problem and they are " working '' on it. They can book it over the phone, but it is an incredible hassle and waste of time waiting for them to answer the call. Moreover, the " amex member '' pricing, which gives a discount on the published fare for booking with points, is not accessible to the phone representative. THAT IS NOT AN ACCEPTABLE ANSWER FOR THIS PRODUCT ; this is clearly illegal and misleading advertising.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, & XXXX OF 2023