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

Ive attempted, on multiple occasions ( most recently today XX/XX/22 ), to use Apple Pay to make large purchases online at merchants which accept Apple Pay on their websites. I regularly receive payment not completed errors when attempting to process large transactions online using Apple Pay. When reaching out to Apple/Goldman Sachs they typically recommend using a different payment method ( the actual card info ), however, if that method is used, the purchase no longer qualifies for the 2 % cash back and is only eligible for 1 %. I believe this is likely a systemic issue many Apple Card users are experiencing which prevents them from using the best form of payment on their largest transactions. This is an unfair business practice potentially affecting a significant number of consumers. Please do not hesitate to contact me if you have any comments or questions regarding this complaint.
Product: Credit reporting or other personal consumer reports

This is an updated CFPB investigation from a previous investigation with new documents. Attached documents include an XXXX report showing no hard inquiries as well as no negative installments accounts. These accounts include XXXX XXXX XXXX  XXXX under XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), TRANSUNION credit reporting agency is to block all the negative accounts, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, I request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC. It is required that all credit agencies, XXXXTRANSUNION, be up to date with each other and that the consumer 's credit file reflect this accordingly.
Product: Mortgage

Dear CFPB : My client is selling his home in a short sale. The bank accepted an offer of {$130000.00} they wanted a net proceeds to them at {$120000.00} and they wanted an additional contribution from the seller of {$15000.00} which he could not pay. The buyer was willing to pay the sums under the contract plus the {$15000.00}. The bank refuses to accept the offer even though they will be made hold. The seller is going to have to pay moving expenses to relocate and pay rents and other bills. He does n't have the means to pay the {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX a XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

At some point before XXXX/XXXX/2015 someone stole my credit card information and created a new duplicate card. While I was at work on XXXX someone went into a XXXX XXXX store and charged {$1000.00} onto my credit card. I found out while monitoring my checking account on XXXX and immediately called my bank. They had even shut off my card because the thieves tried to take even more money. I filed a claim. They bank told me they would refund the fraud charges in 7-10 business days. I filed a police report and received a new card. Despite multiple calls ( XXXX ) and assurances from US Bank that the funds would be credited to my account, it is now the 11th business day, and no refund. Also, they reported a balance to my credit bureau which I NEVER maintain. Upon contacting the Bank this morning they admitted my dispute was NEVER EVEN ASSIGNED to anyone for review despite repeatedly telling me it was under review and the refund was pending. Now when I call them again they 're telling me another ten days. They never even asked for the Police report or Fraud Case numbers which I have, yet they advertise that you 're not liable for fraudulent charges on their XXXX advertisements. On my phone call on XXXX/XXXX/2015 the Customer Service agent REPEATEDLY assured me that the funds were pending a refund and WOULD BE CREDITED TO MY ACCOUNT on XXXX/XXXX/2015.
Product: Credit reporting

The information on my credit file related to medical bills were a part of my bankruptcy and have just now shown up on my credit bureau report. These were all part of my XXXX and were included in bankruptcy that has been discharged. Should I contact my bankruptcy attorney to contact these debt collectors? Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I was served at my workplace by the XXXX  who holds my debt. When I called the XXXX they didn't answer. When they called back they didn't identify themselves as the debt collector. The lady who called me said that they were a lawfirm and in the process of trying to sue me. She asked if they could look at my file so she could help me further. She did not tell me they were pulling anything from my medical records to use against me. But that's what she did. They did not tell me that they were asking to pull my file due to HIPPA Laws. They reached out to my employer and threatened to put a lien on his Property if he didn't submit information about payroll. He sent the information and they called him and yelled at him and threatened him again because they thought he didn't send the information even though he did. They told him and I that they would be Garnishing {$25.00} out of each paycheck but this paycheck they took out {$800.00}. They have been aggressive, deceptive and threatening. I told them multiple times I would like to work out a payment plan. They have tacked on almost {$400.00} in fees on top of the debt. I feel like they have operated outside the boundaries of ethical treatment and have crossed the line with my place of employment,
Product: Credit card or prepaid card

AE ( American Exp ) have closed 4 credit cards I had altogether without a legitimate reason. They sent me notice in mail stating that " it was no being used for its intended purpose. When I called ( twice on XX/XX/XXXX andXX/XX/XXXX ) and asked what it meant by " not used for intended purpose, both representatives said that the cancellation was a result of business decision. When I asked to clarify that, they said they have no more info than that and no one will be able to provide me with further info. They said I can write a letter to their CEO but it won't be helpful. I have a good credit score and always pay the credit card payment on time. One of the cards I have been used for years. There are two cards that I have for a few months and just paid membership fee. I have tens of thousands bonus point on a card that I lost as cancellation of card. I have financial loss as a result of AE cancellation without a clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/2023 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

A second mortgage was taken by myself and wif e  XX/XX/XXXX . we ma de payments until  XX/XX/XXXX , when I lost my job and we separated. the house was foreclosed and the second mortgage was discharged XX/XX/XXXX .The loan was originally  XXXX  dollars. My wife had her share, {$9000.00} reduced to {$7000.00}. On XX/XX/XXXX  a court ordered judgment of {$11000.00} on me to {$20.00} a week. The  XXXX  they reduced my wife they added to me. They garnished {$1000.00} for 17 years totaling {$17000.00}. That {$8600.00} interest on a dischared loan.
Product: Credit reporting or other personal consumer reports

I am formally disputing the charges and collection account associated with my lease at XXXX XXXX ( XXXX XXXX  ). The unit I was promised before signing my lease was a stainless steel model with new carpet and modern amenities, yet upon move-in, I was placed in an older unit without these promised features. This constitutes misrepresentation and breach of contract under Michigan landlord-tenant law. 

Due to this misrepresentation, I vacated the apartment after paying for the month I stayed, yet I am still being improperly charged and sent to collections. Additionally, I am being wrongfully charged for not painting the walls or cleaning the carpet, even though I paid for professional painting services and have receipts, along with video proof of the unit being cleaned before vacating. These charges are unlawful based on the following 1. Breach of Contract & Misrepresentation Under Michigan law ( MCL 554.601 554.616 ), landlords must provide tenants with accurate lease terms and can not engage in fraudulent or deceptive practices. Since I was placed in a unit that did not match what was agreed upon, my lease should be considered void or terminable without penalty. 

2. Michigan Truth in Renting Act ( MCL 554.631 554.641 ) Landlords can not make misleading statements about rental conditions before signing a lease. 
Any lease clause that contradicts Michigan rental laws is unenforceable. 
3. Michigan Consumer Protection Act ( MCL 445.901 445.922 ) If a business ( including a landlord ) engages in false advertising, deception, or unfair business practices, the tenant has grounds for relief. The act prohibits businesses from misrepresenting goods or services, which applies to rental agreements. 

4. Fair Debt Collection & Credit Reporting Laws Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), inaccurate or unfair debt reporting is illegal. If XXXX XXXX or its collection agency can not prove the validity of this debt, continuing collection efforts or reporting this to credit bureaus would be a violation of federal law. 

Requested Resolution I request the immediate removal of this collection account and any outstanding charges. If this matter is not resolved, I am prepared to escalate my dispute by : Filing formal complaints with the Michigan Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and HUD. 
Taking legal action for damages under MCL 445.911 of the Michigan Consumer Protection Act. 
I expect written confirmation that this debt has been removed within 14 days of this letter. Please direct all future correspondence to me in writing.
Product: Credit reporting or other personal consumer reports

They told me that they couldnt fix it, and I know that they can because the truth is the truth and not a lie
Product: Student loan

When I make a payment, they put pretty much all of my payment towards interests and barely any to principle which doesnt allow me to pay off my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report through XXXX XXXX software in the beginning of XXXX XXXX. And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt # XXXX XXXX XXXX XXXX XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-Experian
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX  Demanding that all three credit bureau's remove the late payment due to all three credit bureau's being in violation for not displaying 100% accurate information on my report. I then also included a copy showing the account 
( XXXX XXXX XXXX XXXX)from XXXX XXXX displaying that in fact all three credit bureau's are displaying inaccurate information.
I received my credit report from all there credit bureau's 30 days later informing me that they verified the information and that it was accurate.
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau's are committing against me at this time such as (Pursuant 15 USC 1681a 2(A)(i)  &  FCRA 15USC 1681a 2Ai )
I then sent out a second letter on XXXX XXXX XXXX by certified mail
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
demanding once again for all three credit bureau's to remove the incorrect information from my report and that all three companies are in clear 
violation of the laws. I made sure once again to send a copy from XXXX XXXX   software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights.
30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud.
If this matter is not resolved in a timely  matter, I will contact my Attorney General XXXX XXXX, Congresswoman XXXX XXXX
I greatly appreciate the help
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice some inaccurate information and fraudulent accounts, please remove all off this inaccurate fraudulent information as it in inhibiting me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted letters from the company that show this account was open it 2017. I also disputed that this account reports late every month and shows a balance which against FDCPA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 items 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 DEPT OF ED/XXXX XXXXXXXX Balance : {$7300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$44000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$20000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$22000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$22000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX XXXX  Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your bureau regarding my status as a victim of identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have already contacted the banks associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Additionally, other credit bureaus has already removed this account following the FTC complaint. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023