23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to demand immediate resolution and a direct call from corporate regarding the repeated and baseless denials of my Apple Card application. Each time I apply, your company provides a new, inconsistent, and unsubstantiated reason for rejection : 1. Initially, I was told it was due to balances on my credit file I have no balances.

2. Then, it was alleged there was negative information on my report I have none.

3. Now, the reason has shifted to too many inquiries I have had one credit inquiry in the past two years.

Your reasons lack any credibility and highlight either a flawed underwriting process or intentional obfuscation. Furthermore, the experience of contacting Apple Card customer service has been dismal. The agents are difficult to understand and fail to provide meaningful support.

This is unacceptable for a company of Apples stature. Its no secret that Apple Card has faced lawsuits and investigations by the CFPB for questionable underwriting practices. If these issues are systemic, they must be addressed immediately. 



I demand that someone from your corporate office contact me directly at XXXX to resolve this matter without further delay. If this continues, I will explore every option available to ensure this gets the attention it deserves. 



I look forward to your prompt response.
Product: Debt collection

I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files.
Product: Money transfer, virtual currency, or money service

I filed a claim through Bank of America on XX/XX/2018 in regards to a fraud claim through XXXX ( XXXX XXXX ). I attempted to make a purchase with a vendor to purchase a phone I was interested at the time, in the amount of {$320.00}. I was naive enough to send this person my hard earned money, thinking it was a legitimate means of purchasing a secondhand product. The moment I sent the money, the vendor reassured me that she would send me the tracking number in regards to my order. The following day, the vendor blocked me from any attempts to contact them again, indicating this was an intention act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Card account was opened on XX/XX/2022 On XX/XX/XXXX, the annual membership fee of {$690.00} was added to my account. 
On XX/XX/2022, I made a payment of {$690.00} to my card account to cover the membership fee. 

My account was open for about only XXXX weeks before amex decided to close it, so I am requesting the full or pro-rated refund of annual fee since I didn't get to use my card for the full year. 

I contacted AMEX customer service, after learning that my account was closed, to request the refund and was told that the request to refund the membership fee has been initiated but no refund has been posted yet to my account Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX credit card with a 30-day late payment and seven years of good payment reporting on my credit reports XXXX  keeps on verifying it but not validating it I have spent a minimum of 4 hours on the phone with XXXX  XXXX themselves and they have no record whatsoever of my ever having such an account. It shows closed in good standing with XXXX  balance but the one 30-day late payment they are reporting is damaging my credit report and Reporting negatively being the fact that there is no such proof or record of this account whatsoever at XXXX XXXX I don't understand how they are possibly validating that this is accurate account. 
I have tried disputing it numerous times and I have had numerous XXXX XXXX employees also try to dispute it. 
If XXXX or TransUnion or XXXX can not simply go on there and adjust the one negative payment that the tradeline is reporting then because of the fact that there is no proof of this account or account numbers existence whatsoever I request them that the entire tradeline be deleted from my report. 
Yes they have done nothing but assure me that it is accurate on my reports and every time I call XXXX XXXX and XXXX XXXX assures me the account never existed. I do not know where to go from here but I am very frustrated at this negative payment being reported monthly.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information stemming from identity theft. Your inaction is both unlawful and unacceptable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, you have failed to conduct a proper investigation into the fraudulent accounts. Ignoring evidence does not constitute a reasonable investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA requires you to notify me of your investigation results within 30 days. To date, I have received no such communication. This lack of transparency demonstrates negligence and non-compliance with federal law. 

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are required by law to block fraudulent information upon receiving an identity theft report. Your failure to do so has allowed the continued publication of inaccurate and damaging information, violating my rights.

Legal Precedents Supporting Your Liability Your actions are not without consequence. Courts have consistently held credit reporting agencies accountable for similar violations : XXXX XXXX XXXX XXXX ( XXXX ) : Affirmed your obligation to conduct meaningful investigations beyond reliance on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Established that credit bureaus can not delegate their investigative duties to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Highlighted the severe repercussions of failing to comply with FCRA obligations, including liability in class-action lawsuits and significant damages. 
Demand for Immediate Action I demand the following corrective actions without delay : Conduct a thorough investigation into the disputed accounts and fraudulent transactions.

Provide a detailed written explanation of your investigation process and results.

Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address these violations within the FCRAs legally mandated timeline will leave me no choice but to escalate this matter by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action to seek statutory and punitive damages, as well as recovery of attorneys fees, under 15 U.S.C. 1681n and 1681o.

This letter serves as your final notice to rectify these violations. Continued non-compliance will be treated as willful disregard for federal law, and I will take all necessary steps to hold you accountable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a merchant with Paypal and use it to take payments from my clients to my business. On XX/XX/XXXX XXXX of my customers reported an item was never received and filed a dispute for {$590.00}. I uploaded documents and shipping showing receipt and proof of delivery on XX/XX/XXXX. Paypal had taken the {$590.00} from my account leaving me with a negative balance. I called paypal on at least XXXX occasions between XX/XX/XXXX and XX/XX/XXXX and each time I call they refuse to help me stating they are awaiting resolution with no further detail. The client called their financial institution and had cancelled her dispute and is was closed out on the buyers end XX/XX/XXXX in which I have a letter of proof from XXXX Bank which I also provided to Paypal and they still are ignoring the evidence and refusing to give me back the money despite the client is paying the money back to their financial institution. I also contacted the clients financial institution " XXXX Bank '' with is ALSO PAYPAL XXXX and they have stated that there is no longer a dispute and that i needed to follow up with Paypal and send them the letter, which I have done. After calling paypal again, they stated synchrony band has not sent the money back to them and I feel I am being defrauded.
Product: Money transfer, virtual currency, or money service

XXXX authorized payments that were not approved by me.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX : Account XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXXXX************** :, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Product: Student loan

I realized that my daughter never received bills for her student loans for her XXXX program through Navient. She graduated in XX/XX/XXXX. 
I called Navient to take the loans out of deferment and they told me they were unable to do so since she was enrolled in XXXX XXXX. 
When I asked to speak to a supervisor ( XXXX at XXXX ) he repeated that could not take the loans out of deferment until they were notified by the XXXX program that school was complete and there had been a 6 month grace period. I would like to start payments on loans immediately - it seems crazy that they want to keep student loans from XX/XX/XXXX in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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.
Product: Debt collection

On XX/XX/XXXX I received a letter from States Recovery Systems , Inc., purporting to be collecting debt that I owe to a third party company. However, the letter was fraudulent. I encourage you to pursue this company and stop them from attempting to defraud others. 

Here are the details of the case. The letter that I received stated that States Recovery Systems was attempting to collect a debt in the sum of {$1200.00} from XXXX. XXXX is the phone carrier that my wife and I use for long distance. I had recently tried out a mobile phone that they offered, but I returned it to CREDO in XX/XX/XXXX, before the end of the trial period, because they do not have good coverage in the neighborhood where we live. On receiving the letter from States Recovery Systems, I contacted XXXX to verify that I do not owe any debt to them. The representative who I spoke with confirmed that this was true, and that the letter from States Recovery System is incorrect. 

When I searched for States Recovery Systems on XXXX, I found numerous reports of other customers whom the company had attempted to defraud. It appears that the company has a pattern of pursuing people for nonexistent debt. I fear that my age ( XXXX ) may have made me a target for this scam. Companies that go after the elderly with fraudulent debt collection schemes deserve to be prosecuted to the fullest extent of the law. I am happy to contribute any other information that you might need in order to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, the burden of proof lies on XXXX, XXXX, Equifax you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 


Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, Equifax, XXXX  CEOs as last resort before I Sue them all.
Product: Student loan

I have been on the IBR ( Income Sensitive Repayment program ) for approx 10 years. I live in a rural area. Beginning in XXXX, I started the reestablishment of that process that I have done many times. I ran off the application on studentloans.gov, filled it out and mailed it to XXXX XXXX, PA. I also signed a document of my monthly income and included it with the mailing. Approx one month later I received an email stating that my payment options had changed and I was  late on a payment. I called Navient to find out why and no one could tell me. All they could do was consolidate my loans. I did that many years ago! I forgot to state that I also gave them access to my income tax statement. I have talked to probably 6 different people and no one has explained why they are trying to put me in default. I also filled out the application online for IBR and answered their questions and it stated that I would qualify for no payment because of my lack of income, but, no one could tell me why they are not accepting any of my applications or proof of income. They keep saying I'm late on a payment and calling almost every hour!! Please help.
Product: Vehicle loan or lease

I recently ran into a issue with making payments with Santander consumer. I fell behind making my payments but have been making a payment none the less. I explained to them that the reason was for a change in work schedule, medical, as well as a problem with my financial institution blocking my payments. I was initially advised by a representative that I didnt meet the requirements for an extension. I was told that I would have had to been making payments for five months. I have made the number of the payments that I was advised but I am still being denied. Today XX/XX/XXXX I received a email that stated based upon a review of my account it appears that we may be able to offer assistance but we need to speak with you to discuss these options. I contacted them and spoke with two different representatives. The first representative was with their customer service team who said that I would be eligible for a one or two month extension. The second representative I spoke with was with their assistance team. She asked a series of questions then advised me that I wasnt eligible because I had to have a payment history of eight months. Over the past few months I have talked to several different representatives and each time the timeline changes regarding getting an extension. Its beyond frustrating dealing with some of the representatives from this company. They give you wrong information and dont listen very well.
Product: Debt collection

Upon expiration of my rental lease with XXXX XXXX  formerly owed by XXXX XXXX XXXX XXXX ( now known as Mode apartments ) in XXXX Maryland, i was sent a bill that I owed {$140.00} for parking and utilities for the following month ( I was no longer a tenant ). The issue was resolved after I complaint to the leasing office and it was rectified showing me a bill with all accounts zeroed out. 

However a few days ago, I received notification that the same amount was sent to Hunter Warfield debt collection agency and my XXXX XXXX was severely affected. I reached out to the leasing office and was told they are now under new management so they can not help me. I also reached out to XXXX and was told they can't help me because it is no longer their property. 

Now I have a false debt, a XXXX XXXX that has been downgraded affecting my ability to secure finance for other projects.
Product: Money transfer, virtual currency, or money service

XX/XX/24 : Opened new Ally bank savings account XX/XX/24 : Received notice to make first deposit into Ally savings by XXXX XX/XX/24 : Received notice to make first deposit into Ally savings by XXXX XX/XX/24 : I Requested transfer of {$10000.00} from XXXX XXXX XXXX savings to Ally bank savings. Received an email that confirmed XXXX XXXX XXXXXXXX Withdraw On : XX/XX/24 and Ally Deliver On : XX/XX/24 XX/XX/24 : Funds were withdrawn from XXXX XXXX XXXX savings. XXXX XXXX XXXX Saving statement confirms XX/XX/24 : Received notification that {$10000.00} was received by Ally and transfer was complete XX/XX/24 : Received first notice that the transfer of {$10000.00} was incomplete XX/XX/24 : Made first call to Ally Bank but did not talk to someone until XX/XX/24 Since XX/XX/24, there have been many calls with no support of this situation and no explanation of when I will receive my funds. I am semi-retired with XXXX 's and for XXXX thing I do not need the stress this creates and I also need the funds.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to dispute the repossession and sale of my 2022 XXXX XXXX XXXX XXXX I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. 

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.
Product: Debt collection

I resided in the apartment complex. At the end of my lease. I departed from my apartment on XX/XX/2019. My lease ended XX/XX/2019. I paid XXXX for the full month rate. As I departed in the middle of the month, 18 days early, that left me with a credit of {$870.00} on my lease in which should have been applied to any final balance imposed. I was assisted by XXXX XXXX XXXX  Emergency Financial Assistance to Veterans to pay my last month rent as I was unable too. I was charged {$600.00} for cleaning fee that should have been applied to the prorated credit owed. The Apartment company withheld my credit and did not return it to me or back to the XXXX XXXX XXXX Emergency Financial Institute that assisted me with my payment and tried to charge me with an outstanding balance. The company sent me a cleaning bill in which they claimed they paid their staff the {$600.00} to remove a bed and dresser from my apartment. Because my credit for the month was not returned they should have applied the balance that is claimed, otherwise this would be considered as theft from the XXXX Emergency Assistance program as the credit/funds was not returned. I am not obligated or held to this charge. And I request this collection be removed completely from all credit bureaus report.
Product: Credit reporting

My complaint : TransUnion crediting reporting agency refuses to allow me to access my free annual credit report online. 
Background : In XXXX I enlisted the assistance of the Office of the Missouri Attorney General to gain online access to my TransUnion annual credit report. On XXXX XXXX, XXXX, I was able to access the report online. In XXXX I skipped TransUnion. On XXXX XXXX, XXXX I attempted to access my free annual credit report from TransUnion online. As soon as I entered my identifying information, TransUnion 's system displayed a message refusing online access. Several weeks later, I received an unsolicited paper copy of the report, which is unacceptable : I want online access. 
Here is how the CFPB can help me:1. Please find out why TransUnion refuses to allow me online access to my free annual credit report ; and let me know the answer. 
2. Require TransUnion to allow me to have online access to my report each year. 
Thank you.