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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD - GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Apple Card, You have recklessly furnished an alleged transaction on my XXXX, XXXX, and XXXX reports, falsely labeling them as late. Let me remind you of the law : 15 U.S. Code 1681a - Definitions ; rules of construction clearly states that the term consumer report excludes reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. My dealings with your company fall squarely within this exclusion. Therefore, you have absolutely no right to include my transactions and experiences in my consumer reports. 

Furthermore, according to 15 U.S. Code 1666b - Timing of payments, a creditor like yourself may not deem a payment late unless you have adopted reasonable procedures ensuring that each periodic statement, as required by section 1637 ( b ) of this title, is mailed or delivered to the consumer no later than 21 days before the payment due date.

In light of this, I demand that you provide concrete proof within the next 10 days that the necessary information, as stipulated under 15 USC 1637 ( b ), was indeed mailed or delivered to me 21 days prior to the payment due date. Failure to comply will only affirm your infringement of the law. 

Do not insult my intelligence by parroting that you are furnishing accurate information or that it is verified. You have provided no evidence of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). Your baseless claims are not only invalid but also insulting. 

Should you fail to provide the required evidence of compliance with section 1666b, you are not entitled to treat any payment as late. Thus, you would also be in violation of section 15 USC 1681s-2. You have 10 calendar days from receipt of this notice to either furnish the demanded information or delete the transaction you falsely labeled as late. 

Sincerely, XXXX XXXX Without Recourse XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXXXXXX XXXX XXXXXXXX Balance {$78.00} XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Factual Data XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

well on the XXXX credit card  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.
Product: Debt collection

In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now PNC bank. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX, through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting XXXX XXXX on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.
Product: Credit card or prepaid card

I used my credit card to pay for business services. The service that I was supposed to receive took longer than 6 months. After this time I understood that I was scammed. I contacted this bank and filed a complaint. They closed my complaint and said they couldn't investigate this case because it happened more than 6 months ago. I lost my money and feel absolutely not safe with this bank.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF INQUIRIES THAT I WANTED TO REMOVE! 
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 Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I was basically scammed into buy a XXXX XXXX XXXX XXXX for {$10000.00}. 

The dealer, XXXX XXXX XXXX told me initially offered me a really nice XXXX, and then told me the grand am was all I could get. My partner had just passed his family took the car we just bought and I had to get my XXXX to school. They told me they'd accept {$1000.00} down but to not mention this to the creditor. I agreed to pay {$6000.00} for a {$2000.00} car because I was desperate. The windows immediately stopped working. Then the wheel bearings and tie rods went. I tried to use the lemon law, but the car was too old. I was forced to open a XXXX XXXX credit card and max it out. The loan ended up being {$10000.00}. I was unable to afford daycare to continue working. The car was stolen and destroyed. XXXX didnt cover the repair. I ended up losing our home. I tried to get it fixed through XXXX XXXX XXXX XXXX and put {$200.00} down. The car was not worth the repair, so I agreed to allow Credit Acceptance to repossess and I was told they only got {$150.00} for the car which went toward my balance. This was 4 years ago. Suddenly they are reporting recent missed payments which took my credit score down 130 points making it XXXX. They have claimed it was charged off 28 times. This company has multiple complaints against them but nothing is done and it is not right. I do not have the car. I cant refinance the loan. I cant afford the payments they want, and I shouldn't have to pay a penny more for this scam than I already have. I need a vehicle. I am a widow and a XXXX. I need someone to help me get this off my report so I cant get a reliable vehicle and get on with my life.
Product: Money transfer, virtual currency, or money service

On the afternoon and evening of XX/XX/21 I reached out to my bank - Chase in regards to a scam that was happening to me in Real time. I spoke with the XXXX dept to let them know I was trying to purchase a pet traveling case using the Chase XXXX XXXX which pended. Due to this I received numerous calls from the fake company because they did not receive the money being asked for which was {$990.00}. The call was now to report the pending transaction as fraudulent and since the account was pending was in review, I needed it to be documented that I was requesting Chase to stop and decline the payment. XXXX states on their site it takes XXXX  days for a pending charge to clear. And I have a screen shot of the XXXX  payment pended from the Chase site. I was told since the review had not been done yet this request could be made. Later that evening Chase bank released my payment to the scammers and I got back on the phone with Chase and opened a fraud case. I have been in contact with Chase, my local police, the XXXX, the FTC, the FBI XXXX unit, XXXX themselves and placed a fraud alert on my credit. Chase decided on XX/XX/21 to credit me back the {$990.00} and then reverse their decision on XX/XX/21 with no reason. I have emails and paperwork on every step I took and not once was I reached out to during their investigation. Though I called every often to state I can submit paperwork to them, I was told to hold on to my paperwork as the case was pending. Now I have a negative {$990.00} in my account and these scammers skipped away with my money THOUGH I called Chase to stop the payment and decline the review and they said they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I wrote Equifax a letter regarding an inaccurate collection account, XXXX XXXX XXXX XXXX see attached file ), account number XXXX, that they are reporting on my credit report. As of today, Equifax has failed to properly respond to the dispute and provide verification for the account. I filed the same dispute for the same XXXX XXXX XXXX account with XXXX and XXXX, both Credit Bureau 's deleted the inaccurate collection account from my credit file ( see attached file ). Equifax responded to my dispute by mailing a letter datedXX/XX/XXXX stating their dispute process ( see attached file ). They failed to respond within 30 days with the status of the dispute results and verification of the account.
Product: Credit card or prepaid card

My credit card was charged for the wrong amount by a vendor who on the credit card statement appears as " shakentechcom ''. I was sent a promotional message containing a link to website selling items at a discounted price. I ordered merchandise displayed for about 37 dollars. I did receive the items which were much lower quality than the displayed images on the website implied. My credit card was charged for XXXX dollars instead of the displayed amount. 

When i brought this up with Bank of America ( BOA ), i was asked to send documentation of the displayed price- i tried to access the website again where i purchased the merchandise and it was removed by this time and the page was giving me an error code. 

I sent BOA this info and they said that they can not move forward without this info. After spending a considerable amount of time talking to the agent on the phone ( around XX/XX/XXXX ), i requested that BOA send me the info that they received from the vendor shakentechcom about their sale to me and i was told that it will be mailed to me within 2 weeks. When i didnt receive anything for 2 months, i called them back again and was told that there was no documentation of my phone call from XX/XX/XXXX - so i explained the situation again to the agent who told me that they will make a note of the case and send me the info they obtained from shakentechcom in terms of the sale in 2 weeks. It has been a month and i have not received anything. instead of wasting my time waiting for someone at BOA, i decided to file this complaint as i believe it is illegal for BOA to charge my card for the wrong amount especially since they are not able to provide me with the documentation showing the charged price from the fraudulent company " shakentechcom ''. 


Transaction date XX/XX/XXXX Case number : XXXX Disputed charge : {$63.00} charge ( XXXX ) from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. NISSAN DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE XXXX PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.
Product: Mortgage

I am having trouble with continuing conflicting information coming from XXXX XXXX XXXX, my loan servicing company. I think they are purposefully withholding information, lying, and trying to get me to miss payments so they can foreclose on my property. This isn't the first time either. Recently XXXX XXXX XXXX processed my loan modification after refusing to do so before CFPB became involved. Then, they sent me a letter in the mail on XX/XX/XXXX saying they would not be accepting payments as of XX/XX/2022 because they sold my mortgage to another company. I tried to call XXXX XXXX XXXX to verify this information but the phone system forwards my call to a company called Mr. Cooper. The written letter I received from XXXX states a company named Nationstar Mortage LLC d/b/a RightPath Servicing will start accepting payments on XX/XX/2022. So I followed the instructions and went to the website listed on the written letter. I entered my loan number and a welcome message appeared stating account access will be available on XXXX. There is no way to make a payment on this page or anywhere on their site. The site does state that late fees will be waived but I do not desire to make a late payment. It is also worth noting that the first thing that comes up when searching for Nationstar or Mr. Cooper is an order where they were required to pay approximately {$73.00} XXXX dollars in redress to over XXXX people they harmed in a seemingly similar way. I looked further into the questions and answers on the Nationstar page. At the bottom of the page it says that payments made to the previous loan servicer will be forwarded to Nationstar. So I logged back into the XXXX XXXX XXXX web page and processed a payment there which goes against the instructions I received from XXXX but I do not desire to make a late payment at all.
Product: Debt collection

XXXX XXXX XXXX XXXX billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to XXXX, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them four different times. Still over two years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.
Product: Checking or savings account

SOFi claims to have sent the final balance in my account to XXXX XXXX XXXX  on XX/XX/year>. As of today XX/XX/year> XXXX still has not recieved this check. We need this check tracked down so we can finalize and close all of these accounts out.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint of Consumer Rights Violation under the Family Educational Rights and Privacy Act ( XXXX ) and Relevant Federal Regulations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX, XXXX and Equifax regarding the violation of my consumer rights under the Family Educational Rights and Privacy Act ( XXXX ), XXXX XXXX XXXX ( b ) which protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school., and other pertinent federal regulations. I believe my rights have been violated in the following ways : XXXX. Reporting of Charged Off Closed Account as Income : XXXX, XXXX and Equifax has continued to report a charged-off closed account on my credit report. This account is considered income according to IRS publication [ XXXX IRS XXXX ]. Reporting income on a credit profile is illegal and a clear violation of XXXX. 
XXXX. Reporting Collections on Sold Accounts : XXXX, XXXX and Equifax is reporting collections on accounts that have been sold to third-party companies with whom I have no contractual relationship. This is in direct violation of my consumer rights, as the original creditor has transferred the debt, and I should not be held responsible for a debt with which I have no agreement. 
XXXX. Reporting of Late Payments in Violation of XXXX XXXX XXXX : XXXX, XXXX and Equifax has also reported late payments on my credit profile, which is a violation of XXXX XXXX XXXX. This law protects consumers from unfair credit reporting practices, and reporting late payments inaccurately damages my creditworthiness. 
XXXX. Failure to Provide Opt-Out Options : None of the financial institutions or credit reporting agencies, including [ Name of Credit Reporting XXXX XXXX XXXX have provided me with my opt-out options as required by 15 U.S.C. 6802 and 12 CFR 1016.1. This omission has deprived me of my right to control the sharing of my personal information. 
I have taken the necessary steps to resolve these issues with XXXX, XXXX and Equifax directly, but my efforts have been unsuccessful, and the violations persist. As a result, I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and rectifying these violations of my consumer rights. 
I have attached relevant documentation supporting my claims, including copies of credit reports, correspondence with XXXX, XXXX and Equifax and any other pertinent records. 
I understand that the Consumer Financial Protection Bureau is responsible for addressing and resolving consumer complaints related to violations of federal consumer protection laws, and I look forward to your prompt attention to this matter. 
Thank you for your assistance in addressing these violations of my consumer rights. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit card or prepaid card

I have 2 Capital One credit cards and My wife has one. On, XX/XX/2019, we paid the balances of our credit cards off. On XX/XX/2019, I logged into the Capital One website to ensure all of the cards showed a XXXX balance. I noticed on one of my cards there was an outstanding balance of {$20.00} and a pending interest charge on my wife 's card for {$59.00}. My other card has a pending interest charge of {$98.00}. I called to ask how interested was charged on a XXXX balance. The customer service rep told me it was residual interest. When pressed she could not provide a satisfactory explanation. I was transferred to XXXX  Employee Id XXXX. She identified herself as a supervisor. Again, she was not able to provide a satisfactory explanation as to why the residual interest was not included in the balance 3 days prior to the actual due date. I asked if they could waive the interest and was told no. It occurs to me XXXX XXXX was sanctioned severely for using unfair, and deceptive practices. I believe Capital One is using a similar tactic to rake in several million dollars of phantom interest. I am certain that any language in the credit card agreement is not clearly or conspicuously available and certainly would not be understood by the least sophisticated consumer. As such, it is my hope your agency will launch a full-scale investigation into the unfair and deceptive business practices of Capital One and deal with them accordingly, as this practice is clearly causing financial damages to honest consumers nationwide and clearly they know what they are doing with respect to these unfair and deceptive practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : 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

I am asking that the company, Resurgent Capital Services ( lvnv ) provide me with something in writing before I pay them. They refuse. I want the lvnv removed from my credit report. The debt was a credit card e keep passing it around to collection agencies. I refuse to give anyone my bank info without something in writing.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and Equifax, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, CSC Credit Services, XXXX XXXX, XXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Checking or savings account

On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit.