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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This is regarding XXXX XXXX ( charged {$650.00} out of {$1300.00} on XX/XX/2023 ). 

This dispute is for XXXX of the XXXX charges associated with the same online Apple order # XXXX ; the other charge, the first charge out of the XXXX, is the transaction in dispute in apple card Dispute XXXX ( charged {$740.00} out of {$1300.00}, on XX/XX/2023 ). 
Thus, this {$650.00} is the other half of the {$1300.00} amount charged by Apple associated with the online Apple order # XXXX ( see page XXXX of this letter screenshot of the apple order showing {$650.00} credit was given at the time, which apple is now charging ). The {$650.00} credit was given as part of a trade in program but the credit was applied to XXXX XXXX order # XXXX. But as I stated in Dispute XXXX ( disputing the first half, {$740.00} of the XXXX ) I RETURNED THE APPLE XXXX FROM THE ORDER so there should be no reversal or charge related to the trade in credit which is the reason apple charged me {$650.00}. I returned the XXXX XXXX XXXX XXXX XXXX in the XXXX order so ALL of the {$1300.00} should be refunded to me, including the {$650.00} from this dispute ( XXXX ) and the {$740.00} from the Dispute XXXX XXXX 
Please see page XXXX of this letter where I attach the XXXX prepaid return label that apple gave me. 
Please see page XXXX of this letter where XXXX tracking shows it was received by Apple. 
Please see page XXXX of this letter where the Apple representatives confirm over text the warehouse has received the merchandise return and also see page XXXX where I filed the police report they told me to because apparently their warehouse lost my return because XXXX says it was received by Apple. 
SEE PAGE XXXX where the apple representative tells me the {$740.00} + the {$650.00} instant credit will ALSO be refunded. 
I am owed the {$650.00} in this dispute XXXX and the {$740.00} in dispute XXXX, because BOTH are charges related to the same Apple order WHICH I RETURNED TO XXXX on XX/XX/2023 WELL WITHIN THEIR RETURN WINDOW. 

I am filing this complaint against Goldmans Sachs because Apple should NOT have been able to charge me even more money for the same order I put in dispute, and I told goldmans to put both of these transactions in XXXX dispute but clearly goldman is not taking my word for truth because I am XXXX and have XXXX last name, discrimination against me will not stand, the XXXX tracking shows apple received my return XXXX tracking says Signed for by : A.PPLE and it is Apples own prepaid return label that directed this delivery of the return. If their warehouse lost it, it is not my problem or fault. My money is still owed to me under the XXXX for my proper return. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage payment increased from {$730.00} to {$930.00}, due to an adjustment that was not specified by the mortgage servicers. This payment increase caused me to fall behind and trapped me into foreclosure ... there is a pending sale date set for XXXX. Since the loan is backed by FHA, I asked for mediation hearing to be completed per 24 CFR 203.604. Carrington Mortgage ( CM ) denied access to the mediation hearing. I also applied for mortgage assistance via FHA partial claim. Since I have paid FHA insurance for over 25 years, a partial claim should be definitely available for disbursement. Per FHA regulations 24 CFR Section 203.604, there is a requirement for all mortgagees to meet face to face with the borrower before serious delinquency leads to foreclosure. Both Carrington has refused to report loss mitigation information to FHA, so they are in violation of the False Claims Act ( FCA ) 31 USC 3729 -3733. Since Carrington has refused to address the critical issues within this  complaint, I am seeking your assistance on this matter.
Product: Debt collection

LVNV Funding LLC is reporting account XXXX on my credit file as delinquent, however, this account was dismissed without prejudice in XXXX XXXX XXXX via civil case number XXXX on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there is fraudulent information listed on my credit report. Please remove these items immediately. They are hurting my ability to obtain credit.
Product: Checking or savings account

Regarding claim number XXXX for {$11000.00} That was open XX/XX/year>. 

Wells Fargo case number : XXXX I was personally told that Id be getting credited within XXXX or XXXX business days once the items disputed fully post to account, I however, did not get final credit and have been urging and elevating my issue ever since to Wells Fargo enterprise complaints management office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to Equifax 's data breach. My information was part of the data breach according to Equifax 's website. I have attempted several times to complete the process to enroll in protection via their website. So far, I have been unsuccessful. Equifax has clearly not invested enough resources to protect my data from which they have profited. I hope that the U.S. Government can assert greater pressure on them to take this breach more seriously! Thank you!
Product: Credit reporting

Experian is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.
Product: Credit card or prepaid card

applied multiple times for credit line increase XXXX XXXX continues to deny me great long standing with the company other credit cards limit as high as XXXX but XXXX XXXX remains at XXXX
Product: Credit card

DCU credit card. Never late on a payment or had more than 30 % credit usage. Covid made me unemployed. No income only reaort was credit card. Interest too high and making payments did not drop the credit line. Bank would not work with me on a lower payment to be more feasable. Effecting credit score and would like it wiped off my credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : In XX/XX/2017 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : Online Information Services Account Number : XXXX Creditor : XXXX XXXX XXXX Date of Collection Entry : XX/XX/XXXX I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements.

3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt.

4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ).

Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws.

I am revoking all rights of them communicating with me via Call/Text/Email .

I appreciate your prompt attention to this matter and look forward to a resolution. 

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

XXXX and Transunion have yet to show me verification that the negative items such as XXXX and XXXX XXXX XXXX and XXXX XXXX is my account it has been more than 30 days I have sent verification that the XXXX was paid off by my insurance company as a toll lost and they have yet to remove it. XXXX XXXX as well never late I have a 10 days after my payment to make a payment and they have been reporting lating this is affecting my credit score tremendously
Product: Credit card

on the day of XX/XX/24 i had bought clothing merch from the merchant XXXX. the price of the items i ordered was a total of {$2400.00}, then i was told that my package had arrived when in reality i never received anything, i had attempted to dispute it through apple support and after a month and a half they sided with the merchant regarles of me receiving anything, which i dont see hows thats fair at all.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$26000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

So I applied for XXXX, freedom flex, and I received email saying that I was not approved because I have high inquiries and when I check my credit app I see that I have a lot of Chase credit card application and I remember that day the system was glitching that I never received an email saying if I got approved or denied so I was applying for so much days that I got tired and I stopped applying and a few days I got three letters on my mailbox saying that I was not approved for Chase freedom flex because I have so much in hard inquiries
Product: Debt collection

This company did not send any written communication prior to adding this account to my credit report. Per FDCPA every company is required to send a written notice for collection accounts prior to reporting an alleged debt to the data furnishers ( XXXX, XXXX and XXXX ) that was not done. I did not get the opportunity to dispute this debt due to the companies lack of following the Fair Debt Collections Practices Act.

This has created a situation where I am not able to move. due to the companies failures.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been used without my authorization, resulting in the fraudulent accounts and inquiries listed below appearing on my credit report. I request that you block and delete these items from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXXXXXX XXXX  XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$15000.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My account was closed with no explanation on XX/XX/2021. The email sent mentioned that I needed to contact support to get my balance if there was still a balance. No information or emails from Gemini until XX/XX/2021 ( during a giant crash in the virtual currency space with no access to my currency ). I had my account " unlocked '' on XX/XX/2021 but the currency was being held in their " Earn '' service and I'm unable to withdraw back any of the cryptocurrency because my account is unable to. On top of that, I can't access my account anymore because the SMS messages are not being sent by them when trying to login ( I know my username and password, confirmed by XXXX support that they have no text logs sent from Gemini ). Also, Gemini gave me 2 weeks to withdraw from XX/XX/2021 ( which I can't because the account is unable to be accessed and the currency is behind their earn platform ). Still have not heard back about resolving either of the following issues.
Product: Credit card

Here is info from the website of my AmEx card statement {$53.00} Will appear on your XX/XX/XXXX statement as AMEX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX - XXXX Tags Dispute In Progress In Progress Disputed Amount {$53.00} XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Visit Business Additional Information XXXX XXXX This charge has not been refunded and was disputed, and closed without a refund by AmEx
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

-XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, my car was broke into and took my wife 's ( XXXX XXXX XXXX wallet that had all her credit cards. I immediately called American Express customer service to report that the card was stolen and to cancel it. While I was on the phone with Amex rep, my wife 's stolen card was fraudulently used by someone in XXXX and charged a total of {$260.00}. The Amex rep told me that I should not worry about it as long as I filed a dispute on that transaction. While I had the rep on the phone, I filed the dispute with him, cancelled the card and requested a new one. On XX/XX/XXXX, I received a letter from Amex stating that I am responsible for the amount in question. It was not the resolution I was expecting to get because it was very clear that we did not make that transaction as I reported the card stolen before the charge took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Acts ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was very deceiving! Like Ive got XXXX dollars stolen from me twice from two different Cash App members that were scammers I reported it and I went to support to get my money back which was really frustrating because I asked for help they didnt help me. For over a year I kept asking for help for that case. That money I worked very hard for and it was a struggle because I was saving up for college I was barista serving coffee. Now found out I wasnt talking to actual person about my case. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused a lot of significant problems because some person calls me and says do you still want to buy this house? Im like I never talk to you and I dont even have enough money for a house. Ive realized that my information got stolen which makes me feel upset. I seek appropriate redress to these violations.
Product: Student loan

A debt collection agency has made repeated calls to my workplace after being specifically asked to stop calling. The company is called Wyndam Professionals. They even went so far as to try and get my social security number from my employer. This kind of behavior is completely unaccptable, especially after being asked multiple times to stop calling my place of business.