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

I currently have an apple card. I was going to make a purchase on XXXX but the seller said that he could have me make the purchase on his website and it would be cheaper for shipping and taxes. So I went to the website and used my apple card to purchase the item online. The total was over {$3800.00}. I realized less than 5 days after making the purchase that the vendor ( XXXX, XXXX ) was fraudulent based on my communications with him. I immediately confronted the vendor and he showed me screenshots that the money was refunded. I contacted apple card support with the information and they filed a dispute. 

Approximately 2 months later, I received an email saying that Goldman Sachs ruled in favor of the merchant. I was upset and called back, I was never provided a phone number to speak with anyone at Goldman Sachs. Apple card support said that their employee had entered the initial dispute incorrectly. Since I had never received the items, I would have to have it reentered. I said I had tons of images of text message conversations with the vendor on the phone and the support agent said that they would contact me to ask for this evidence. I was never contacted. 

I received an identical email after several weeks stating that Goldman Sachs had ruled in favor of the vendor. I have called them at least 5-6 times at this point with no resolution. Each time I submit a claim, they email me a month later saying that they ruled in favor of the client. I never received my item and I am out nearly {$3900.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX failed to mark the account as disputed per XXXX The dates of last activity is reporting different XXXX reports XX/XX/2024 while XXXX reports XX/XX/2024, which is a violation of fcra 605c running of the period The balance owed and High is reporting difference. XXXX and XXXX reports XXXX owed {$740.00} and High balance {$740.00}
Product: Vehicle loan or lease

Under 15 USC 1691e3, a consumer which is me is not allowed to be denied of their own extension of credit. I feel discriminated and violated of my rights from being denied based on my background.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 - Received dispute result stating that the information I disputed was found to be accurate, however, information unrelated to your dispute has been updated. I disputed a collection NO KNOWLEDGE, NO CONTRACT, NO SIGNED AGREEMENT. I have NO knowledge of the collection with XXXX XXXX XXXX, XXXX. I have NO contract for the collection with XXXX XXXX XXXX, XXXX. I have NO signed agreement for the collection with XXXX XXXX XXXX, XXXX. Experian did not obtain proper/required information showing that I have a signed agreement, contract or knowledge of debt with XXXX XXXX XXXX, XXXX.
Product: Student loan

In XXXX we did a spousal consolidation with Nelnet with a balance of $ XXXX. In XXXX, we filed bankruptcy ( XXXX & XXXX ) and the loan disappeared. Then several years later, maybe in XXXX, we started receiving statements and demands to pay again. When we looked into we couldnt find out where the loan had been. But now we owed $ XXXX or more. 

Weve been trying to repay this loan but the balance only increases and rarely decreases, only to see it increase later. I cant seem to figure out how they apply the payments or figure why the sometimes put payments towards the principal and other times only to interest. The balance is still $ XXXX and its a 20 year loan with full payments applied to it over the last few years. Other times, it was on an IBR plan.

Also, my spouse works in public education and weve been told there are new laws to consolidate this loan as a federal loan so it can be considered for forgiveness, but Nelnet/Sloan are not helpful in navigating this transfer. And XXXX has denied the request to make it a direct loan.

Can someone please check to see if this was discharged? Can you check to see if the loan is accurate? Thank you, XXXX and XXXX XXXX
Product: Debt collection

XXXX   XXXX  opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since   XXXX   XXXX     a mysterious payment from  XXXX   XXXX  appeared as a collection on my   XXXX   report. I check all my physical mail and email, I never had any collections or payments due to " CA CHECK CASHING '' which is the company  XXXX   XXXX  claims they are representing. I decided to call  XXXX   XXXX , calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN  just to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with CA  Check Cashing , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called CA Check Cashing to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.
Product: Checking or savings account

XXXX - XX/XX/XXXX TRANSACTIONS IN VARIOUS AMOUNTS TO VARIOUS ONLINE GAMING CASINOS CHARGED THE DEBIT CARD THE SERVICES OF THE PRODUCT BEING A CHECKING ACCT. THE FINANCIAL INSTITUTION ALLOWED TRANSACTIONS TO BEING COVERED BY THE FINANCIAL INSTITUTION EXTENDING FUNDS THAT WERE NOT THERE TO COVER TRANSACTIONS WHEN IT SHOULD HAVE DECLINED BUT DO TO MECHANICS BANK CHOOSING TO DEBIT A XXXX  BALANCE ACCT CAUSING THE ACCOUNT TO BEING OVERDRAFTED WITHOUT THE CONSENT OF MYSELF THE CONSUMER WHO OPTED OUT OF ITS OPTIONAL SERVICES OF OVERDRAFT PROTECTION THE INSTITUTION FORCED THE ACCOUNT TO BEING SUBJECTED TO ITS DESCRETIONAL AMOUNT IT CHOSE TO COVER AND THUS SURPRISE AMOUNT OF FEES ALL FOR THEIR PERSONAL AND OR PRIVATE FINANCIAL GAINS BY ITS UNAUTHORIZED POSITION TO HAVE RIGHT TO COVER WHEN CONSUMER OPTED OUT OF OVERDRAFT DUE TO NOT AUTHORIZING ANY TRANSACTION SHOULD FUNDS NOT BEING AVALIABLE IN SAID ACCT. THE FINANCIAL INSTITUTION CAUSED THIS MATTER TO HAVE OCCURED AND ITS DAMAGES.
Product: Credit card

This is a follow up to a previous dispute as the company failed to fully disclose all the information regarding my closed account. 

See additional concerns regarding the untruths in the companys response. 

The company inaccurately reported to my credit report during the time period they reported my card was suspended. It noted that my account was open and being paid as reported. That is inaccurate based on their response. In addition the company reportedly suspended my account due to something in my credit however, they failed to provide any information about what was allegedly discovered. In addition, I do not see on my consumer report when or where XXXX or XXXX XXXX checked my credit report. 

Please provide documentation on procedures for suspending the account, and advise why I was not given any information regarding the suspension. Also, the customer service agent I spoke to on XX/XX/year> informed me my account had been closed. 

Please review the recording, as I was provided false information regarding my store credit card account.
Product: Debt collection

I opened my mail on Wednesday, XX/XX/XXXX. I was sent a letter from Discover saying I was pre-approved for a loan for debt consolidation. I went to XXXX and filled out the form. I was then directed to call XXXX to speak to a representative to verify some information. I called the number, as directed, and it states it is the discover personal loans department. I was on the phone with a lady who asked questions to confirm my identity - Name, date of birth, phone number, current address and social security number. I gave all of the needed information. She then asked why I wanted to consolidate my debt and what accounts I wanted to transfer the funds to. She then explained that I was approved and informed me that they are able to transfer the funds to the accounts I wanted. She was very persistent with that being the best option. I said that I wanted to have it deposited into my checking account and that I would distribute it as necessary. She then told me I was not approved and that they would send me a letter in the mail explaining why. I thought it was very odd since I was already pre-approved and she said I was approved initially. I was frustrated but thought nothing of it. Friday, XX/XX/XXXX, Discover e-mailed me about getting started on my Personal Load. I was confused that I received an e-mail from them when I had previously filled out the SAME form and was told to call and then denied. I chose the option to chat with a representative. I explained the situation and the kind lady began looking for my application. She verified who I was and informed me that she found no records of me applying. She asked me what number I called and then told me that it was not a valid Discover number. At that point I googled the number XXXX and saw that someone noted it was a scam number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} In accordance with the fair credit reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding several potentially negative items on my credit report that I believe were not updated correctly following my XXXX  XXXX bankruptcy discharge. 

Summary of the Issue : In XX/XX/XXXX, my XXXX  XXXX bankruptcy case was discharged by the court ( US BKPT CT XXXX XXXX, Date Filed XX/XX/XXXX ). After this discharge, I believe my credit report should have been updated to reflect that the following accounts were fully XXXX and should no longer be marked as potentially negative, as the balances are XXXX and no further action is required on these accounts : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX Barclays Bank Delaware Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX  ( Multiple Accounts ) Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX Auto Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX Despite the discharge, these accounts still show as " potentially negative '' or " discharged through bankruptcy, '' which is misleading and may hinder my ability to rebuild my credit. According to my records, these accounts should reflect the discharge status accurately and no longer be listed as negative or derogatory.

Request for Action : I am requesting the following actions : Immediate correction and removal of any inaccurately marked potentially negative status on the aforementioned accounts.

Clear documentation from each creditor stating that the account balances are XXXX and have been fully discharged.

Update of my credit report to reflect accurate information regarding these accounts, ensuring they are listed as discharged in full and not negatively impacting my credit standing.

Please investigate this issue and assist me in ensuring that my credit report is properly updated in accordance with the discharge of my XXXX XXXX bankruptcy. 

Details of Bankruptcy : XXXX  XXXX Bankruptcy Discharged : XX/XX/XXXX Court : US BKPT CT XXXX XXXX Thank you for your prompt attention to this matter. I would appreciate any assistance in resolving this issue and ensuring my credit report is updated accurately. Please feel free to contact me if additional information or documentation is required.

Sincerely,
Product: Credit card or prepaid card

continuous, technical failure and inaccessible, live, bank clerks at phone answering systems and main, bank headquarters phone have repeatedly prevented attempted activation of my, new, bank, debit card at both, bank, customer service, phone numbers, which repeatedly respond ; that I entered incorrect, bank, debit card and social security numbers ; when I entered only correct numbers, and the on-line, bank website and customer log-in and complaint, phone numbers repeatedly respond ; that I still need to select and receive a debit card style and number ; when I already have both of these to enter without on-line means to proceed and access required, customer account registration for card activation ; which has repeatedly prevented activation and use of this, bank, debit card and essential, bank card transactions and cash withdrawals for more than two weeks
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, I received a call that was transfer to me at my place of employment, a public municipality where the calls are recorded. The call was from Coastal Professional - demanding to speak with me stating personal information on the phone with my cell phone. I've asked them to end the call they continued to speak about my personal business regarding my student loan. I asked them not to discuss because incoming calls are recorded and I could loose my job. The representative argued back and forth if I was going to call back. then gave me a phone XXXX which is to XXXX XXXX a company I never was associated with. This was a harassing call and misrepresented themselves and their purpose of the call. Also, they discussed my personal information with another employee.
Product: Credit reporting or other personal consumer reports

To whom it may concern As of XX/XX/XXXX I'm writing this letter to inform you that I Checked. My credit report with XXXX, transunion and XXXX. 
And the information on each of them is not correct. Neither of them has the same information. The dates and the amounts are Wrong and I who you can help me out with this please so the can get this correct as so as possible or remove it from my report. 
Thank you faithfully If you have any questions don't fall to get in contact with me.
Product: Debt collection

I had a collection placed with Aldous and associates that wasn't actually owed. I cleared it up with XXXX XXXX on XXXX XXXX and the balance was set to zero. The district manager emailed the collections specialist to advise them the balance wasn't owed and to discontinue all collections. The collections agency then proceeded to place the amount on my credit report on XX/XX/XXXX and it dropped my score by XXXX points. I called and spoke to the manager at XXXX XXXX who once again advised me the balance is zero and the collections agency was advised to stop all collections activity on the account. However when I call all they say is I owe the debt and they show it as open and needed to be paid. The collections agency would not let me talk to a manager they tell me there isn't one available and to call back later. I do not owe this money and I want this removed from my credit report because this isn't a valid debt.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/2024 - {$520.00} INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XXXXXX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I was informed this week that th e Office of the Consumer O mbudsman office has received my file for my short sale complaint wit h Ocwen t hat has been file d  XX/XX/XXXX  and will have a written response  XX/XX/XXXX .      XX/XX/XXXX  I w as sent an conditional short sale approva l by Ocwen an d for some reason everything fell apart. Even whe n Ocwen  had all the papers required by the home owner and a buyer. 11 months later am still being told by Ocwen is waiting on the lender of the loan. This was not the case when my agent  XXXX   XXXX  called Ocwen last month and was informed by an individual in the short sale department that the papers was never forward to the lender instead it was being reviewed by the underwriters of Ocwen.   Ocwen has been sending payments to my home I MUST PAY when I sent Ocwen a hard ship letter informing them I have fell on hard times and do not have the money required to keep the home.   Recently I have been getting multiple Notice o f Default and Election  to sell under deed of trust stating " you must pay all amounts in default at the time payments is made to stop the foreclosure '' I have attached the documents as stated in this statement for your eyes only.   The home has been vandalized and just to get it up in living conditions am looking at over  20  thousand in repairs, little over  9, 000 dol lars in late payments and behind on property taxes. All this Ocwen knows but they put the blame on the Lender when they have admitted they never passed on the documents to the  Lender.    Please help this is now the 11 month going on a year. Also am being informed by  XXXX   XXXX  that Ocwe n  is reporting me to the credit bureau 3 times a month for not paying the mortgage when I have been trying to get this short sale to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I am a victim of Identity theft. Please remove it immediately. 
XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX : {$3500.00}
Product: Credit reporting or other personal consumer reports

DISCOVER BANK is reporting on all three credit companies. I do not check my credit often and was unaware of the negative reporting and damaged it has done to my account I am unable to obtain things in my name creating a reality of me XXXX in XXXXXXXX and debt i did not collect. I am requesting for the account to be removed in accordance of the law from all three companions
Product: Checking or savings account

In XXXX of XXXX during the merger of Suntrust with BBT there were withdrawals from our account to unknown commercial entities. Suntrust corrected this, but no explanation was provided so we decided to switch to another bank. 

In XXXX of XXXX, we closed our accounts at the new merged Truist. In XXXX of XXXX, Truist allowed an automated debit to a closed debit card. In XXXX of XXXX they sent us a notice that we owed this charge plus a fee totally about {$32.00}. 

This we paid in early XXXX of XXXX. Then in late XXXX, they sent us another notice we still owed {$55.00}. This we also paid. 

When we log in to the accounts they still show as open. 
We want the account to be closed nor do we feel we owe them for the charges of {$32.00} and {$55.00}.
Product: Credit card or prepaid card

XXXX XXXX advertises a credit card that will give a XXXX percent discount on the first purchase. I applied for the card and it was awarded to me on XX/XX/2022. The card is issued by Synchrony Bank. I used the card for an on line purchase of a miter saw on XX/XX/2022. Their on line process does not allow for the XXXX percent discount to be awarded at that time, so I called both XXXX XXXX and Synchrony Bank to request my XXXX percent discount. I have repeatedly spoken with customer service reps about the issue, and on XX/XX/2022, I learned that XXXX XXXX has denied my request ( which amounts to about {$32.00} ). I believe that XXXX XXXX and Synchrony Bank are misleading customers to apply for a credit card under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX