23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Currently, I should have available credit that Goldman Sachs and Apple have not documented to my credit card account. 

XX/XX/year>, I contacted Apple Support and I requested that this be corrected as the available credit is showing on the Apple Wallet app is showing available credit of {$0.00} for over 1 week after Goldman Sachs submitted an unauthorized {$2100.00} withdrawal from my checking account. 

On XX/XX/year> : According to the Apple Support : Your payment in the amount of {$50.00} made on XXXX has been applied to your account, but it's currently on hold. Your available credit will reflect on XXXX. The payment is not eligible for an expedited release. 

Your payment in the amount of {$2100.00} made on XXXX was returned by your bank on XXXX. You can make new payments or schedule future ones in the XXXX XXXX. 

Your payment in the amount of {$80.00} made on XXXX has been applied to your account, but it's currently on hold. Your available credit will reflect on XXXX. The payment is not eligible for an expedited release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.
Product: Debt collection

I received a letter from I.C. System Inc on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to I.C. System Inc on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from I.C. System Inc since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to I.C. System Inc that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : XXXX XXXX
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic I was forced to take XXXX, due to health reasons. Knowing I would not have the funds to make the payment, I tried to be proactive and reached out to XXXX XXXX to make arrangements. XXXX XXXX refused to make arrangements. In XXXX of XXXX I informed them that as soon as I received my tax return that I could make a huge payment. This would be in an exchange for them refunding the late fee and not reporting me to the credit bureaus. 

Majority of the card was paid off, as promised, and XXXX XXXX removed the late fee. However, the non-payment hit my credit report. I called and spoke with someone at XXXX XXXX and was told they would submit something to the credit bureaus. That was never corrected on my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Product: Credit reporting or other personal consumer reports

FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my three free annual credit reports and files today several times ( XXXX XXXX ) on annualcreditreport.com and was denied to receive them. I need them sent to the address I have on file at CFPB website immediately.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Checking or savings account

I received notification from Citibank NA on XX/XX/2024, in the mail that they were closing all the accounts that I had with them as of XX/XX/2024. I have been a Citigold client for XXXX years and had over {$200000.00} in the accounts. They are closing my checking, including ATM access, savings, and brokerage acct. I have never so much as bounced a check. Consider how difficult it will be to switch all my electronic check payees, autopayees and direct deposit accounts - I dont even know where to begin!! I went to my branch and spoke to the branch manager and he told me there was nothing he could do and legally they did not have to provide a reason and that the branch itself can not find out what the reason is. He said I have been a loyal customer and it is Citibank 's loss. I subsequently found out that my adult children received the same notice.
Product: Debt or credit management

Can remember the exact date because it was years ago.I made monthly payments for nothing and they didnt fix my credit!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX {$26000.00} XXXX XXXX Opened XX/XX/XXXX {$380.00} I dont know where these accounts are coming from these are fraudulent accounts My information may have been impacted by the XXXX XXXX TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified.
The company must also provide a notice to the consumer, and give them the option to add a statement to their file. Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any
negative reporting during this period will be considered a violation of my rights under the FDCPA.

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 




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

I filed a dispute with TransUnion on XX/XX/2020. I was informed by their telephone support representative that the results were mailed on XX/XX/XXXX to my PO Box . According to my USPS Informed Delivery account, the mail piece arrived on XX/XX/XXXX, but my postmaster says it was misdelivered to a different PO Box and can not be recovered. After another call to TransUnion. I was told that results can not be re-mailed, and that they are not responsible for post office errors.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

1.Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX is reporting XXXX XXXX mortgage payment as late, this payment was made on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A company called XXXXXXXX XXXX asked me for my details to make a soft inquiry for a personal loan, and ended up making a hard inquiry without my authorization with the company Transunion, thus lowering my credit score, on XX/XX/year>.
Product: Credit card or prepaid card

new Apple Card credit card holder and on Saturday, XX/XX/XXXX they had placed a restriction on my card without providing me any reasons as to why they restricted it I just received a message saying that your account is restricted for no apparent reason they said they have to give me a call back to resolve the issue nobody has called me back theyre just giving us a runaround and it seems like a lot of people are having issues with the same thing car just restricted this is the first time that I had dealt with a big company that has such poor customer service and they are very sickSecretive of what to do they could not see resolve it with me coming in they have to call me which is so stupid
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I have sent the company a " cease and desist letter '' via registered mail, but the company contacted me again, after receiving my " cease and desist letter. '' Today ( XX/XX/XXXX ) I received their letter dated XX/XX/XXXX. This is much after they received my " cease and desist letter. ''
Product: Credit reporting or other personal consumer reports

All these companies reported Inquires and Incorrect Information ( 15 USC 1681 ) to XXXX, Equifax, XXXX : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Equifax has a closed account listed as XXXX for {$9100.00} which says Charged Off and that is a " certificate of indebtedness '' which is considered income, and income can't be reported. XXXX has a closed account listed by XXXX XXXX  XXXX  for {$25000.00} and late 60 days. XXXX XXXX Equifax have a closed account listed by XXXX XXXX for {$390.00}. XXXX has a closed account listed by XXXX XXXX  XXXX  for {$8500.00} and 30 days late. XXXX, Equifax, and XXXX have a closed account listed by XXXX XXXX XXXX for {$250.00}. XXXX and XXXX have a Charged Off account " certificate of indebtedness '' " Income '' listed by XXXX XXXX  XXXX XXXX for {$7300.00} reported twice. Equifax has a closed account listed by XXXX XXXX for {$15000.00}. XXXX has a closed account listed by XXXX XXXX for {$27000.00}. Equifax has a closed account listed by XXXX XXXX for {$27000.00}. XXXX, Equifax, XXXX have XXXX XXXX XXXX XXXX 's listed for {$210.00}, {$2300.00}, {$530.00}, {$1600.00}, {$1800.00}, which are all illegal to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Product: Credit reporting or other personal consumer reports

Under FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, I have the right to verify that the credit reporting agencies have correctly verified my identity to these accounts on my credit report AFTER I have already disputed these accounts with wrong names, addresses, and accounts I NEVER gave consent to obtain and have on my credit. I have asked and submitted online request to all 3 major credit reporting agencies, they stated that it was verified without any proof or correspondence to notify me properly. I have requested that these names and accounts be removed immediately for knowingly/ unknowingly to continue to report false or innaccurate information on my credit report. 

Below are a list of aliases, accounts, and addresses that I have disputed and have no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX. They have claimed to put a lien on my house in multiple counties which makes no sense. I got a writ of garnishment and I get these court forms that are not legally filed with the clerk which means they are not valid judgements AT ALL months after theyve filed them and there are magically never any hearings to attend either. 

Talk about harrassment from a debt collector who LITERALLY IS AN ATTORNEY. Thats not supposed to be legal. 

Maybe they should go after my ex who fraudulently used my card and also committed IS theft against me multiple times. It would be a better way to spend their energy instead of harassing a single parent whos absolutely buried and feeling stalked by illegal court documents that are never ever properly filed! Perhaps they can talk to my exes attorney because they apparently both improperly served documents regarding my income in the same courts by randomly just dropping stuff off as if thats a valid process in a court house. 

Creeps.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Law firm tenaglia and hunt XXXX County Superior Court special civil part they pretended to be attorneys representing XXXX XXXX XXXX in a debt collection case against me when they really weren't but that's not even what I'm talkin about today they put a bank levy on my bank account that was nothing but child support and spousal support directly deposited for my ex husband 's employer I filed a motion for objection I was heard the judge vacated the bank Levy I gave it to the bank and there is no money in the bank because they wrote a cashier 's check to tenaglia and hunt before the judge decided his order to vacate they stole my child support and my spousal support I want to sue them and I want my money back immediately his judgment exempt and they knew it cuz I called them and told him it was child support and alimony and I wrote them same thing they had no right to take
Product: Credit card

I made a payment to Synchrony Bank ( Paypal Credit ) using my Paypal balance, as previously described, and that payment was reversed and late penalties applied even though I got an email saying the payment had been applied to my account. 

I filed a CFPB complaint, and Paypal locked down my account due to " fraudulent activity '' and requested my ID for some reason. 

I provided my ID, and filed a new complaint against Paypal for locking down my account. Now Paypal and Synchrony Bank are playing the finger pointing game, each saying the other is to blame for my account getting locked down. 

They have " reversed '' the fraudulent charges back into my account. 

Now I am being contacted by a Vendor I did business with last year, asking if I reversed their charges from Paypal. I did not. Clearly, this is the " fraudulent activity '' they detected. I did not submit these transactions as fraud, they ARE valid, and no one has contacted me as to their authenticity.