23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> my AppleCard was used for something I did not authorize. I reached out to the company which I got no where with. I disputed the charges with AppleCard the same day. On XX/XX/year> I received an email stating my disputes were ruled against me. I reopened the disputes again on the same day, XX/XX/year> and sent in the email chain I had with the company I am disputing with. I received an email that two of my disputes were resolved in my favor. 

However on XX/XX/year> the others were ruled against me, for two separate reasons. First reason We reviewed available information which confirms that you authorized the purchase with the merchant. and We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. 

These were all unauthorized charges on the same day, they dont even line up with my spending habits. I have been fighting this since XXXX. Only receive two disputes in my favor and two different reasons why the rest have been ruled against me. I have proved to them via communications with the company this simple wasnt me.
Product: Credit reporting or other personal consumer reports

I have continuously and tirelessly tried to get my credit report from Equifax. According to the agent today XXXX  my address and phone number is correct on my file but upon trying to gain access to my report Equifax System still informs me that the information I enter into their system is incorrect which declines XXXX and XXXX or fico 3 bureau reports from being obtained and i have a subscription for XXXX  with XXXX. I spoke with a representative and was informed today the reason for my data not being updated is because i have not furnished my Driver Lic. and my social security card. So eventhough creditors are updating my information its not being updated. Not one time in my entire life had i had to send a bureau my personal credentials of a social security number or Drivers license to update my address on my report. Yet nothing is being updated but they are quick to update negative accounts but not the positive accounts. This seems sketchy and i have already been a victim of identity theft and this will not be another case of what i just went through. I have login credentials to Equifax, XXXX, and XXXX. This is insane, but if you asked an agent when was my fraud alert lifted, they would say this week. Make it make sense. Today, Equifax needs to update my report. I'm not understanding how i can login and make changes on my report but have to send in and ID and SS for updates to happen on my report. Make it make sense. I have uploaded the documents needed to prove i am me to cfpb but sending my social security number to a non governmental agency is not acceptable for me.
Product: Debt collection

I recently received a copy of my credit report and noticed some erroneous items on my credit reports. American Collection Enterprise Inc. is handling the collection of the accounts mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between American Collection Enterprise Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim.. Provide me with a certified copy of an original contract with my signature, specifically naming American Collection Enterprise Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my TRUIST BANK account to fraudulent investment firm ( XXXX ).
Product: Mortgage

after refinance with United Wholesale Mortgage, i made my first payment on XXXX XXXX for first payment XX/XX/2020, as indicated on legal settlement documents. up to now i made XXXX and XXXX payment on time. But since beginning of the first payment, UWM website indicated i need to make first payment starts on XXXX XXXX over last three months i have been trying to resolve a issue with UWM to correct the issue in their update system. only respond from UWM customer service that they do wear the issue and they will make correction. but due to UWM 's negligent conduct, my credit scores are  down to low XXXX from XXXX because UWM reported a delinquent payment to credit reporting agency for not received a payment even after payment was made on time. Due to UWM negligent i am still hold to purchase an automobile and among other things.
Product: Credit reporting

Called Transunion to lower my monthly bill. They said, " the computer randomly selects who receives a lower rate, call back next month as see if the computer selected you. '' Really we are gambling with my membership and ability to monitor?
Product: Debt collection

I received a court statement that I'm being sued by a company that I never had business with. Or know anything about. After I received this letter Docket number XXXX, with old Citibank statement. I immediately called Citibank on XX/XX/XXXX, to find out what was the court letter for. Citibank customer service was not able to talk to me, but transferred my call to this number : XXXX XXXX. I spoke with one of their customer service representative who than informed me that Citibank sold my dept to them on XX/XX/XXXX, at that time I questioned her if that was the case how come I was never informed or received a letter from Citibank or from her company as a debt buyers before until a court order to reply to the company I don't know about. she said they have been calling me. They did called me each time I answer the phone and Identified myself Immediately I was asked to provide my social security number so they know they are talking to me. I always tell them that I can not provide such information on phone especially when the caller called me due to identity theft. After during our conversation I was provided with another phone number to speak with another party : XXXX. I spent so much time asking questions. I was told that they sent letters witch I never receive and phone calls without voice messages to identified who they were. My question is what is my option here? How do I go about this in court. I know I had contract with Citibank not a third party.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Checking or savings account

on XX/XX/year> I opened the account with Citibank. I received the check from the IRS of {$300.00} which was my state refund check. I deposit that into Citibank about a week later I transferred {$2000.00} from my XXXX XXXX account that is now closed, about 2 to 3 days Later, I tried to log into my Citibank account and it would not let me it told me to enter my account number which I did not know because I had just opened. It gave me the option to call. I gave them a call and they transferred me to the fraud protection department. I guess I dont know. They told me that they close the account but they gave me no specific reason I did not argue. I said OK when will I receive my funds, they said within 60 days being closed. The account officially closed in XXXX and I called to make sure that I will still be receiving my funds. The lady that I spoke with said that I would I was being very patient. It is now XX/XX/XXXX and I still have not received my money I called today, which is XX/XX/XXXX, and they told me that they could not verify my funds and that I had to call the IRS so that they could call their bank to cancel the payment which is something I never heard before and which is absurd. They approved the IRS check mobile deposit so why do it need to be verified and canceled now? Shouldnt it have been canceled from the start? I really do regret doing business with this company and it seems like their customer service representatives just tell you anything they can find in their little notes thatll make you just go on about your day. I would recommend this company to anyone I would recommend to XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has placed a charge off on my credit report with it also saying I owed a certain amount of money. I have contacted the creditor who does not have a account with me and I contacted the Bureau experian with no response except verified. I requested a method of verification and it has never been provided. XXXX XXXX XXXX have no account with my information and experian has it posted on my credit report
Product: Mortgage

We have been ill and tried to keep up. We filed a Chapter  XXXX in XXXX and were paying regularly. In XX/XX/XXXX the payment suddenly rose from a manageable {$1400.00} to {$3200.00}. We are both on Social  Security+ pension and our total per month is {$2700.00}. We asked our Attorney { XXXX XXXX from XXXX, PA ] how and why. He said 'because they can ' and that we would need to find a way to pay it! We couldn't and we had to suspend our plan in XX/XX/XXXX. The total mortgage owing was {$61000.00} at that time. Our loan servicer was OCWEN. They have refused to work with us in any way. We couldn't even pin them to a mortgage amount and our attempts to pay resulted in the checks returned. We attempted to get another Attorney to help and all required ~ {$5000.00} retainers! Now they have 'foreclosed ' and we just received an 'ejectment ' notice! We built this home 25 years ago, we are elderly and ill. We need HELP!!! Please help us to stay here. I guess we'll need some type of stay until we can secure a loan to start a 'buy-back? I will also appeal to XXXX for some help.
Product: Credit reporting or other personal consumer reports

There are many inquires on my credit report that I do not recognize. Last year I had someone open an account on my name. I think all these inquires was from that situation. Here is a list of all the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are not mines. i have disputed for more than 7 years and nothing has been done. These accounts were removed from my other reports but remain on this one. 

1. XXXX XXXX XXXX  {$0.00} Paid, closed 16 charge-offs 2. XXXX XXXX XXXX XXXX XXXX {$1000.00} Paid, closed 63 charge-offs 3. XXXX XXXX XXXX   {$7600.00} Paid, closed 72 charge-offs 4. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$31000.00} 0 % paid off
Product: Money transfer, virtual currency, or money service

I sold an item thru XXXX that XXXX delivered to the wrong address. I tried to re-route the item to the buyer, but XXXX indicated my item was ineligible for that. I have maintained contact with the buyer the entire time. I explained to the buyer that once I received the item back, I would have it sent to them once again. They are fine with that. 

That said, the buyer ( for their protection and to document the issue ) filed a claim thru XXXX, which I understand. Since I am in contact with the buyer, and the buyer is in agreement with me, XXXX has not issued final resolution because they see that I am working with the buyer on it and have a perfect record with XXXX, but PayPal has decided to withdraw the funds from the account forcing a negative balance, as if the final resolution had been issued. 

Now, the issue this is causing, is I am now unable to use my PayPal account, because they are forcing me to pay the negative amount, as opposed to waiting for the final resolution from XXXX. I would have no issues paying the funds back if that were the case, but in this case, I have a serious issue with them playing judge, jury and executioner on an unresolved case.
Product: Checking or savings account

I was unable to login to my checking with the company Chime. I XXXX customer service and I was scammed from the person pretending to be Chime. He helped me get into my account and transferred my money to an email address and right there I thought things were suspicious, so I said this doesnt seem right Im going to hang up. He told if I do he will suspend my account, so I continued and he instructed me to wait for a form but the form never came and he said must be technical difficulties. 

I told this to Chime and they investigated and will not return my money of {$480.00}.
Product: Credit card or prepaid card

Back in 2016 I file for bankruptcy XXXX XXXX. I have a card with navy federal credit union. I have tried several time to reestablished my credit. I have applied for a secure visa under their program. They denied me for I had a incident, loss or problem with the card I put in the XXXX XXXX 

When I got my life together I dropped the XXXX XXXX  and what was owed to Navy Federal I paid in full. Through my checking account I have with them. I feel that Navy fed is discriminating and giving unfair treatment against me because I had to file a XXXX  XXXX that was filed because of excessive medical bills.
Product: Credit reporting, credit repair services, 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. 
1. XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, has violated my rights [ Inquiries ] XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX ( XXXX XXXX ), has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : 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 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.

Last four of SOCIAL SECURITY # XXXX  IT WOULDN'T LET ME PUT IT IM THE REQUIRED FIELD, AND THIS WAS THE ONLY PLACE.
Product: Debt collection

CCC sent me a letter dated XX/XX/2016, but received on XX/XX/XXXX about an alleged debt. I immediately sent a DV letter on XX/XX/XXXX requestion validation for this alleged debt. The company failed to respond to my debt validation letter, but proceeded to place one of the accounts on my credit report in early XXXX. Once I realized this, I sent a second letter stating that this item should be removed from credit file until I receive the validation I requested. This letter, too, went ignored. As of today, XX/XX/XXXX, this item is still on my credit report and the credit bureaus have told me that they can not remove it because they do not handle non validations. Besides, failing to validate the alleged company ... it shows that the company had the alleged debt since XXXX and waited until XXXX, nearly two months later to contact me.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX  XXXX XXXX from midland credit management called a thirds party relative regarding four ( 4 ) credit card accounts they have in collections. He disclosed the amounts owed and to whom they are owed. This relative is not authorized on any accounts and has no knowledge of these accounts. This is not acceptable and is a violation of fair debt collection practices.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and these accounts and inquiries were fraudulently added without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items.

Fraudulent Accounts : 1. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1500.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} XXXX. Creditor Name : XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} XXXX. Creditor Name : XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$860.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$400.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX ( multiple inquiries ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX ( multiple inquiries ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Bank DE XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX