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

On XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX ( Order # XXXX ) and it was delivered to me on XX/XX/XXXX. 

On XX/XX/XXXX I received my credit card statement dated as of XX/XX/XXXX. On Page 4 of the statement it was noted that I had two Apple Card Monthly Installment dated XX/XX/XXXX for {$650.00} each ( a total of {$1300.00} ) which is incorrect given that I only purchased one XXXX as noted on the purchase order above. 

On XX/XX/XXXX I called Goldman Sachs Apple Credit Card XXXX after several attempts to resolve the issue via text message chat ( Apple 's preferred method for customer service ). I was transferred to multiple people and was told that my issue was going to be resolved and that someone would reach out to me. 

On XX/XX/XXXX I received as email at my email address on file ( XXXX ) stating that they had tried to reach me and were unable to. I reached out to them right away and I was told that my account had been blocked due to 'Fraud '. They said it was because the phone number on file was not my phone number. I told them that was my old phone number ( XXXX ) which I no longer used. I gave the agent my correct number ( XXXX ) XXXX. They told me that someone was going to reach out to me to verify my identity. Meanwhile, they could verify my identify by using a combination of the last four digits of my social + Date of Birth. Why my new phone number was a valid reason to flag my account for fraud without any fraudulent activity recorded on the account is beyond unprofessional and unwarranted. 

After about two ( 2 ) other attempts to reach Goldman Sachs Apple Credit Card services, they have failed to resolved my the error on my credit card statement and my account remained blocked since XX/XX/XXXX. 

On XX/XX/XXXX I contacted Goldman Sachs Apple Credit Card to make my monthly credit card payment ( as a responsible card holder ). The agent told me " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. I asked why that was the case, she responded that my account is past due. I asked why my account was past-due and she said because I had not made payments - I told her I had not made payments because my account is blocked. My account is blocked which means : 1. I can not access apple card through the 'Wallet ' App on my XXXX 2. I can not log into https : //card.apple.com/ to make payments 3. I can not view nor have I received my XXXX Credit Card statement form apple or Goldman Sachs . 
I am left with the option to call them and make payment which I did only to be treated a delinquent customer even with the over 3years I have held that card. 

I did not make payments in XXXX because my credit card statement is incorrect and they have taken over 1 month to resolve to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I wrote, via mail, XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX, billing manager for XXXX XXXX XXXX ( now listed as XXXX XXXX XXXX ), contacted me via email in reference to two charges ( {$54.00} and {$29.00} ) showing on my Equifax report as unpaid collection accounts. I had cdisputed the validity of the charges and requested he remove them from collection. He said in his email he would investigate and get back to me. 

On XX/XX/2019 XXXX XXXX replied, stating the charges were billing errors on their part. He said he would request XXXX XXXX, the collection company, delete the collection. He said the CRA,   Equifax, should have it removed from my account in 30-35 days. 

On XX/XX/2019 I inquired of Equifax the status of the aforementioned action. They showed nothing in the works. I was told I could start a dispute and it would be resolved within 30 days. During that phone conversation I started a dispute ( # XXXX ) and later that afternoon faxed supporting documentation -- my email correspondence with XXXX XXXX. 

When I inquired as to status of my dispute XX/XX/XXXX, I was told the support documents never got put with the original dispute and that the original dispute had been closed out ( apparently as incomplete ). I was told another dispute would have to be started ( XXXX ) and it would take up to 30 days to complete. I suggested they rush it since it was their mistake the documents didn't find their way into the first dispute file. I told them they had until XX/XX/XXXX, the original dispute deadline and then I was initiating a complaint with the CFPB. 

So here we are. Any reasonable person could look at the email from the original creditor, realize it was an unfortunate error, and make haste to remove this damaging information from my credit report. But apparently reasonable people are not to be found at Equifax. This is very disturbing. 

I've attached the information sent to Equifax, including the time stamped cover page showing they received it on XX/XX/2019, as I stated. 

Thank you. Your organization helped me last year with a similar situation and I am very happy there is someone who can give us help.
Product: Bank account or service

someone pretending to be my daughter filed a claim with chase bank that they were missing money and so chase made a deposit not once but several times to her account. The perpetrator withdrew the money from her account by using an ATM card as well as using a withdrawal slip inside of a branch. Chase is holding me responsible since its a high school account and has transferred my money to offset the negative balance in my daughter 's account. I have called numerous times and so did my daughter to let chase know that we did not make these withdrawals or claims that money was missing. All we wanted to get across was that someone hacked into or stole my daughter 's identity and was stealing from chase. no one would listen to us at chase and they have since severed all relationship with my daughter and myself. I am left with {$0.00} balance just 4 days before XXXX and chase has done nothing to investigate who is responsible for these transactions. I have asked for them to pull the video tapes from the ATMs and branches where these transactions took place. I need for chase to reimburse my money and apologize for their action not to investigate our claims that something was not right with the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Equifax credit report. I am perplexed as to why this fraudulent account continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. Please delete the account below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just received my credit report and noticed some hard inquiries. Inquiries don't have permissible purpose according to 15 USC 1681 b. Can you please investigate these hard inquiries below. 

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX IL, XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XX/XX/year>2024 DELETE THESE INQUIRIES because they are in VIOLATION of 15 USC 1681 b. I DID NOT authorize. Once you have deleted the hard inquiry from my report please send me a updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate address are reporting on my personal credit file with XXXX, XXXX and TransUnion credit reporting agency There is no name associated with this file, I don't think this information are 100 % accurate. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me I have tried disputing these with the bureaus as well as the furnishers but nothing is being done I need to remove these from my credit report since I have not signed used or know what these accounts are!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate 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. Futhermore, 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
Product: Credit card

On XXXX XX/XX/year> I applied for a Costco Anywhere Visa from Citicard. I received an email on XX/XX/XXXX with an attachment telling me that they were unable to approve my application because they couldn't verify some of the information on the application but gave no specifics. I called them to ask if they could give me some more specific information as to why I was denied. At first I was told that there was nothing they could do and could not give me any info over the phone so I asked to talk to supervisor and was told no. After persisting I was transferred to another department and was told that a letter was sent to me in the mail and to expect it in about a week. I did not receive the letter. On XX/XX/XXXX I called again and was told that they could not help me so I requested an Adverse Action notice to tell me why exactly I had been denied credit and what I could do about it. I was told that I would get an email and that a letter would be sent to me. I received an email again saying that they were unable to approve my application because they couldn't verify some of the information on the application but gave no specifics. I did not receive the letter that I was told would be mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I must express my frustration with the Credit Reporting Agencies regarding their inexplicable persistence in reporting fraudulent accounts and inaccurate information on my Credit File without proper verification. It is absolutely expected that these agencies adhere to federal law, which mandates the removal of any accounts resulting from fraudulent activity. Despite my extensive efforts to dispute these items, the Credit Bureaus have regrettably failed to fully comply with my requests. Moreover, my repeated demands for evidence of verification have been constantly ignored by the Credit Bureaus. Under the provisions of the Fair Credit Reporting Act section 605b, I am left with no choice but to submit this CFPB Complaint. I demand, in no uncertain terms, the immediate and complete removal of all fraudulent accounts and associated information from my Credit File without any further delay or excuses. The following items must be deleted at once : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}. I must also draw attention to the inconsistency in the reporting of certain accounts, some of which have already been removed by other Credit Bureaus. This discrepancy raises serious doubts about the Credit Bureaus ' investigative practices or lack thereof, leading to multiple conflicting results. Such glaring errors and inconsistencies underscore the undeniable negligence on the part of the Credit Bureaus, and I insist that these disputed accounts be expunged entirely from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$7300.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$44000.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$22000.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not know this company called XXXX XXXX. I think these people are fraudulent or someone XXXX XXXX XXXX  or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.
Product: Credit reporting or other personal consumer reports

I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX  XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation.
Product: Checking or savings account

After closing of my account I was told that I would have to have check endorser ( XXXX XXXX ) called and verified that he authorized me to deposit check in order for funds to be released, so on XX/XX/year> I called in and provided contact for XXXX XXXX and he was contacted by chase XXXX  and after that I was told that he had been verified and confirmation would be sent to back office to complete my release of funds and XX/XX/year> I was told that funds still could not be released due to denial from back office.. I have to submitted a complaint previously with both chase XXXX XXXX  case number XXXX and also to CFPB.Complaint number XXXX
Product: Debt collection

Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2021 Dear XXXX XXXX Re : Collections Accounts This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
4. Complete proof that your business is licensed to collect debt in the state of Illinois. Attempting to collect a debt while being unlicensed is a crime and I will contact my attorney if this debt is not deleted. 
5. I have proof that this debt was opened and reported on XX/XX/2021 and I never received any notice about it. A Transworld Agent informed me that a letter was mailed on XX/XX/2021 meaning that you all mailed the letter AFTER the reporting. I never had any time to receive the letter or dispute the validation which is in violation of the FDCPA and FCRA. Please delete these XXXX accounts from my reports With regards, Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX TX XXXX phone number ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX phone number XXXX. 
XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.
Product: Checking or savings account

They have been denying my claim with clear evidence of an XXXX and identity theft affidavits from the IRS and FTC.
Product: Checking or savings account

XX/XX/XXXX deposited my payroll check into Regions bank XXXX XXXX XXXX TN XXXX XXXX XXXX. Went through verification visited the bank XX/XX/XXXX my funds hadnt been released bank teller advised me to go back to the ATM and deposit the check which then the atm ate my payroll check and shut down completely. I have images of the atm shutting down and not spitting my check back out. Claim was submitted and I was advised I would be credited within 24-48hrs it has now been over a week and no answers or resolution.
Product: Checking or savings account

i had a regions card and was repeatedly charged overdraft fees as well as having money taken from my account on days that were 20 to day days from the original purchase date. I was almost evicted at one point due to XXXX  charges hitting my account at the same time.
Product: Credit card

I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX Bank ( XXXX ) for reporting inaccurate, unverified, and harmful information on my credit reports, violating the Fair Credit Reporting Act ( XXXX  ). I demand the immediate removal of disputed accounts and late payment remarks, as well as an investigation into XXXX  negligent practices. 

Summary of Violations Chronologically Impossible Charge-Offs and Balances : Account # XXXX : Date of Last Activity/Closed Date : XX/XX/XXXX ( future date, impossible ). 

Last Payment : Conflicting dates ( XX/XX/XXXX on TransUnion vs. XX/XX/XXXX on XXXX ). 

Account # XXXX : Date Reported : XX/XX/XXXX ( future date ). 

XXXX XXXX : " Paid, was past due 30 days '' ( XXXX ) vs. " Paid as agreed '' ( XXXX ) XXXX 

Failure to Adequately Validate Disputes : XXXX dismissed prior disputes by falsely claiming " insufficient information, '' despite FCRA XXXX ( a ) ( XXXX ) ( A ) requiring investigations even without a credit report attachment. 

XXXX failed to provide : Signed original contracts. 

Verifiable payment history. 

Proof of charge-off notification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Severe Credit Damage : These inaccuracies have significantly lowered my FICO Score, limiting my access to loans, credit cards, and competitive interest rates. 

Legal Basis for Deletion XXXX XXXX. XXXX ( b ) : XXXX failed to follow reasonable procedures to ensure accuracy by reporting future dates and impossible balances. 

XXXX XXXX. XXXX : Credit bureaus did not conduct proper reinvestigations of disputed items. 

XXXX XXXX. XXXX : XXXX violated XXXX duty to correct inaccuracies.
Product: Debt collection

The company Jonathan C Frank and Associates at the phone number XXXX has repeatedly contacted my parents at their home number AND personal cell number about a matter involving me that is " an urgent legal matter ''. I have no idea how they got my parents contact information but they have been harassing them and that is a violation of my privacy. Also, they have called my job as well and I have had to explain this to my HR dept. They contact my parents on XXXX XXXX, XXXX XXXX and XXXX XXXX. They contacted my job on XXXX XXXX and XXXX XXXX. They do not say what the matter is regarding only to say " It is an urgent legal matter ''. Like I am being wanted for XXXX! I have discussed this with my credit lawyer and he said we could sue but its best to just report a complaint first and see if that helps. Any help is appreciated.