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

I had an Apple Credit Card in my name in good standing, but a fraudster called them and requested a physical card in my name even though current one I had wasnt expiring till XXXX card was delivered in my name at location in XXXX, XXXX got XXXX from UPS your card is delivered on XX/XX/2023 at XXXX. When I tracked the number I saw the above address. I called the card service and asked them to freeze the card. They did that and gave me the new XXXX number. A week later I got an email from Apple Card that your address is updated. Again I did not request a change of address. I looked at my virtual card profile, it was changed to another address in XXXX of XXXX XXXX without me asking for it. 
I had to cancel the card. I am wondering about Apple Card security. How easily they would change addresses without vetting the caller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX ) XXXX Experian Information XXXX XXXX. XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : As of XX/XX/XXXX I am still seeing discrepancies on my FICO  SCORE! I am exhausted constantly reporting to fix and correct my account please. I am writing to dispute the following information in my credit report file. I have Attached my FICO SCORE FROM ALL THREE CREDIT BUREAUS! Please you guys need to call each other because this shows poor communication and this is unacceptable and unprofessional. 
The information on XXXX Credit Report XXXX Score is XXXX, XXXX Credit Report XXXX Score is XXXX and Experian Credit Report XXXX Score is XXXX This is inexcusable and unexceptional inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. This has restricted me from getting into a apartment, I have a XXXX year old son and a daughter XXXX XXXX XXXX! Please this is important that you reinvestigate this matter. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

I received a notice of involuntary lien to my property for a debt owed by a relative. The relative has never lived in the property. Nor does he have ownership of the property. I am not sure how my relative became associated with my house. I did not co-sign for my relative. So, I am not legally responsible for the debt. I contacted the collection agency and explained this but I was asked to provide proof of ownership for the property along with a copy of my social security. I submitted the information and was told the information would get forward the legal team for review. I asked to get the contact information for the person that would handle the matter and was told to just call back in a week. There was no clear answer as to how soon the matter would get resolved.
Product: Debt collection

Company appeared on my credit XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. 
When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In your XX/XX/XXXX response to my complaint you state We did not receive a complete forbearance request from you in XX/XX/XXXX where you agreed to the terms and conditions of the forbearance. Please explain why you are now stating you did receive the forbearance in XX/XX/XXXX when prior you stated you did not. Please also explain what exactly was incomplete about the forbearance you received in XX/XX/XXXX. You go on to state We are unable to retroactively apply a forbearance to your loans, per your request. Please explain why you did just that, in XX/XX/XXXX, despite the forbearance being incomplete as you claim. You go on to state nor will any late fees assessed or interest accrued be removed. Please remove these fees, the interest, and your derogatory XXXX credit agency reporting as previously requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX  XXXX
Product: Bank account or service

On XXXX XXXX, 2015 - I opened a PNC bank XXXX account in their XXXX XXXX IL branch. This account is very complex to understand - two underlying checking accounts and XXXX savings account all associated with each other but not very well or at least customer is not fully aware how they works. I had a {$200.00} cash back promotion code that was also applied. As per the terms and conditions - i need to have {$2000.00} as direct deposit and one Bill pay from this account within XXXX days. I did fulfilled it - XXXX bill pays and two direct deposits worth more than {$2000.00} also. But it seems PNC bank has some other plans - not to honor their words and give me {$200.00} promotional bonus. Now branch folks are telling me that i should have used my other checking account to do the bill pays and they are claiming that they made it clear on the email also ... which i have been telling from day one ... it 's one account for me and somewhat complex to understand. Moreover it 's very difficult to understand the online website and even navigate thru it-i am using my quicken to understand all the complexities of this PNC account. Did enough follow ups on this matter with XXXX and XXXX but i am not seeing light at the end of the tunnel. I need the promotional cash back as i have fulfilled their conditions. Moreover once PNC bank tricked me and charged me overdraft fees of {$35.00} also even when all these XXXX accounts were connected/associated with each other and there was enough balance in the overall account. Later when i reached out to them-they remove the overdraft fees. As and when i go to that branch-they are trying to sell more and more stuff to me rather than helping me understand this complex " PNC XXXX '' account.
Product: Credit card

I contacted Capital One customer service to find out why my balance never goes down when I make every payment on time and hardly ever use the card. The man that I was speaking with was fairly pleasant through the conversation. I was not understanding what he was telling me. He said he would transfer me to someone else. As he was transferring me to another person he began cursing in English and XXXX ( XXXX ), and said something about XXXX my mother. I was so shocked I did not say a word. Once I was transferred I asked if the previous conversation was recorded and explained what happened. He said it was recorded and that they would look into it. The second representative credited me my interest for the last month for my inconvenience. I do n't feel that this is enough compensation. I did nothing to deserve being spoke to in that manner.
Product: Debt collection

This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.
Product: Credit card

I am writing to dispute a charge of {$1900.00}, {$190.00}, and {$170.00} to my credit card account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The charge is in error because the items were defective, and the services did not work correctly. Despite the initial charge being on XX/XX/XXXX, I was still undergoing treatment with XXXX, and I was supposed to receive more aligners to continue the treatment. The aligners to continue the treatment that I initially paid for on XX/XX/XXXXXXXX  did not arrive, and I am no longer receiving the services or receiving the items I paid for. I understand that some of the charges are from XXXX, but I was still undergoing the original treatment that I had paid for up until I stopped receiving the items and communication from XXXX. I am requesting that the charges related to the disputed amount be credited to my account. Enclosed are copies of all the communication I have had with the merchant related to my purchases supporting my position. I have also included a press release from the XXXX XXXX XXXX which goes into more detail of XXXX. I have also included a website page from the practice I will be receiving XXXX from, which costs {$3800.00}. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an email from Capital One inviting me to check out XXXX XXXX so I could monitor my credit, or so I thought.. I clicked onto the link and it took me to an area where I filled in all of my information. I come to find out that it was an application for a Capital One XXXX XXXX. It was sneaky and deceitful how this was done. This was not what I intended to do AT ALL. I now have a new hard inquiry on all 3 major credit reports. I called the Capital One Customer Service department immediately to resolve this and ask that the inquiry be removed.. No problem, they said all I had to do was just mail them copies of each credit report showing the hard inquiry, a copy of the email I received advertising XXXX XXXX the credit denial letter for the Capital One XXXX XXXX as well as some personal information ( date of birth, SS #, etc. ) which I did. I get no answers any time I call Capital One to try and find out why this has not been removed from each of my credit reports. I was assured if I did all that they had asked for it would be taken care of. I have gotten no response back back either by email or regular mail regarding this matter. So now 7 months later I'm filing a complaint with you in hopes that you can help me with this.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL XXXX CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED EXPERIAN, XXXX AND XXXX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

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. 

XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX ( secured credit card ) Account XXXX XXXXXXXX XXXX XXXX XXXX  ( secured loan ) Account XXXX XXXX XXXX XXXX ( secured loan ) Account XXXX XXXXXXXX, Acct XXXX XXXX, Acct XXXX XXXXXXXX.
Product: Credit card

On XX/XX/2024, I made an online purchase from a seller on the website XXXX for XXXXXXXX XXXX which amounted to {$170.00}. 

On XX/XX/2024, I received a tracking number for this purchase. Upon checking the tracking number, I noticed the originating scan on the XXXX tracking number was in XXXX, MA, but the seller was located in California. This was my first suspicion. 

On XX/XX/2024, I received an email that the item was delivered. The item was not delivered. I checked all along my house, yard , street, and asked my neighbors if they may have received it by accident. It was nowhere to be found. When I checked the tracking number, it stated it was received by someone unknown to me named XXXX. I immediately opened a dispute with XXXX because at this point I knew something was wrong. 

After going back and forth with XXXX, stating that the item wasnt delivered, I realized I wasnt going to get support from a human being. All responses were canned responses from bots that were not trying to solve the issue, and after many frustrating responses, I gave up. 

At that point, I then called XXXX to get the scoop on the tracking number and found out where it really went ( and came from ). The XXXX rep I spoke to, XXXX, was able to dig up all the relevant information and send it to me in an email. I will attach the email as a document to this complaint. 

From this information via XXXX at XXXX, the seller from XXXX simply found and inputted a random tracking number and used that as proof to XXXX that he shipped it. However, this is a tracking number that the cable company XXXX XXXX used for a shipment to someone in the same town ( different zipcode! ) as me at XXXX XXXX XXXX, XXXX XXXX! 
FYI, my address is XXXX XXXX XXXX, XXXX XXXX... 

I tried one last time to get XXXX support to help me, so I emailed them the information I got from UPS. XXXX support still did not assist, saying that the transaction is closed and there's nothing they can do to help me. 

Apparently this is a very common scam ( as I am now learning ) wherein the seller mines for a tracking number going to the same zip code - although the seller couldnt even do that right, as its not even my zip code! 
They use that stolen tracking number so that XXXX sees it as delivered to the same town. XXXX then washes their hands of it and tells the buyer to pound sand. 

I have now opened a dispute with Capital One, but they have closed the dispute parroting the XXXX line of " well, the tracking shows it was delivered! '' I have re-opened the dispute with Capital One and added additional evidence gleaned from the email I received from the XXXX representative. The case number with them is XXXX. 

Furthermore, if XXXX states that the buyer left a review for the seller so they mustve received the item and been happy with it!... I'll also attach my review of the seller to this complaint so you can see what I said.. It's not positive. 

I will also attach CapitalOne 's initial denial of the dispute claim.
Product: Student loan

I was in default on my student loans due to not having a job to pay for loans. However, I did file my taxes from when I was working and my taxes were intercepted. Once I got a job I contacted Federal student loans and they told me I had a balance of XXXX in order for my loans to get out of default and it would be paid off. I recently pulled my credit report and it has school loans transferred to collections. It is paid and I would like for them to be removed from my credit. It is affecting my score because there are so many listed. I am not working at the moment but I do want to focus on my credit. Ive contacted federal loan servicing to resolve this matter and they stated that it was out of their hands. They had me calling around and still nothing resolved. I
Product: Credit card or prepaid card

My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. XX/XX/XXXX- {$4500.00} Copy of correspondence with the bank is enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Equifax to request my free credit report. But they refuse to provide me with my granted free report. I believe they have some wrong information on my credit report but how can I dispute it without even being able to get access to my report?
Product: Credit reporting or other personal consumer reports

- I didnt get a 1099c - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report.

-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802
Product: Student loan

I requested information about refinancing my current loan from Wells Fargo to fix my interest rate in XX/XX/XXXX. XXXX - Rate was previously fixed between XXXX - XXXX upon which rates began increasing. 

The rep gave me information about the refinance options, clearly telling me that my debt to income ratio precluded me from refinancing without a co-signer. Info was sent to me about getting a cosign. I did not follow up because I can not at this time. 

Since that time ( XXXX - XX/XX/XXXX ), I've received daily robo calls re : my loan " options. '' When I stay on the line and am connected to a person, I ask what company they represent upon which the call is terminated. When the call goes to voice mail, the option to be removed from the call list is also the key in to delete the message. 

This is egregious, annoying, and obsurd. Please advise.
Product: Debt collection

I received a call from my father today, XX/XX/XXXX saying this man called from UCRB ( https : XXXX XXXX looking for me. My father then said that the guy sure knew a lot about me ( my date of birth, my email address, and my phone number ). He then proceeded to ask me if it was true that I had debt from 2018 that I had not paid. And that the guy from UCRB told him it was over {$4000.00} and some dollars. 

This employee clearly violated the Fair Debt Collection Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has been sent numerous times already that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 

XXXXXXXX XXXX XXXXXXXX