23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted a dispute to Apple Card in 2023 regarding a merchant called XXXX, which merchant pretends to be a U.S. merchant and sell US products, but without informing you they send these unapproved canine toothpastes and toothbrushes from XXXX. They lure you with one price saying that the product is XXXX, then they charge a different price to your cart and the receipt comes on the new price. I was extremely alarmed when I saw the product was coming from XXXX, and I contacted the merchant to cancel. The merchant ignored my request and send me the product despite request for cancellation. I contacted the merchant multiple times and never heard back, asking about the scammer claims and the like. I opened dispute with Apple, which went nowhere, I kept reopening, asking to talk to someone in dispute, calling them and I never heard back from anyone.

I submitted them multiple screenshots of people stating the company was a scammer business, comments of people that their dogs got hurt with the products, I submitted emails to Apple multiple times with that information, and even copied Apple on emails trying to get a response from the merchant.

They never read what I submitted or got back to me. The merchant wrote them a few lines saying they replied to me, what is a lie, didnt provide any evidence, and Apple keeps ruling on their favor.

I want the charge to be reversed in my favor asap, the merchant to be investigated, and Apple to be fined for the total mishandling of this situation, including never replying to me, never contacting me back, never having a dispute manager call me back despite numerous requests.

Apple Card should be ashamed of its services. Supporting a business that hurts dogs with their scammer products?
Product: Credit reporting or other personal consumer reports

This complaint concerns the inaccurate reporting of XXXX XXXX student loans on my Experian and XXXX credit report. These loans were previously part of a larger account of XXXX loans that were closed and successfully removed from my report. However, these XXXX accounts have recently reappeared on my credit report despite providing evidence of the account closure. Experian has failed to remove the inaccurate entries and continues to assert that the information is correct. 

This issue is particularly concerning in light of recent actions against XXXX for significant violations in student loan servicing. XXXX has been fined and prohibited from working with the Department of Education due to widespread issues, including the inaccurate reporting of loan information. This raises concerns about the accuracy and reliability of XXXX data on my Experian credit report and Experian 's due diligence in addressing these systemic issues. 

Supporting Documentation ( upon request ) : Copies of previous dispute submissions to Experian Evidence of loan closure ( e.g., account statements, letters from XXXX ) Copies of correspondence with Experian Publicly available information regarding XXXX 's recent fines and sanctions Documentation showing the initial removal of the accounts from my credit report ( e.g., previous credit reports where the accounts were not present )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection showed up on my credit report by XXXX XXXX XXXX stating original creditor as XXXX XXXX XXXX I in the amount of {XXXX XXXX contacted XXXX and Experian with a dispute, I have never had any accounts with XXXX XXXX XXXX, and have never heard of them, and have never recieved any phone calls or letters from them or from XXXX XXXX XXXX. XXXX and Experian did not remove it, they state the granter verified it. That is impossible.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 
I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 account with XXXX XXXX XXXX that is not being reported to my XXXX  or XXXX date They also show as closed but it was paid in full on the transunion account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from XXXX Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GAXXXX  XXXX XXXX XXXXXXXX  GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX  5 INQUIRIES -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXSubject : Formal Dispute and Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) ** This letter serves as my formal demand for TransUnion to immediately comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Despite my repeated disputes regarding unauthorized charges on my XXXX XXXX  account and my submission of a **police report**, TransUnion has failed to follow federal law and continues to report inaccurate, fraudulent information on my credit file.

Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, you are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute. Additionally, pursuant to **15 U.S.C. 1681c-2**, once provided with a police report regarding fraudulent charges on an account, you are **required to block the fraudulent information. ** Your failure to take action constitutes a clear violation of federal law and the Consumer Financial Protection Bureau ( CFPB ) regulations. Due to your continued noncompliance, I am formally requesting that the CFPB investigate TransUnions failure to adhere to federal credit reporting laws and impose significant fines for your repeated and willful violations. I expect your immediate action to remove the unauthorized charges and to provide written confirmation within **15 days** Under **15 U.S.C. 1681n and 1681o**, TransUnion is liable for willful and negligent noncompliance, and I am fully prepared to take legal action to recover damages, including statutory and punitive damages. If you fail to comply, I will escalate this matter further by submitting an additional complaint to the CFPB and other regulatory authorities, urging them to impose substantial penalties for your disregard of federal law. 
I expect your prompt attention and resolution of this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports and I noticed some late payments on my consumer report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, 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 and XXXX XXXX XXXX has XXXX XXXX rights. 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

This company is reporting a debt that is no longer outstanding after I have already informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation, an official copy of my XXXX form signed by the secretary of state, which proves that I have no outstanding debts. They have failed to grant my request as a federally protected consumer.
Product: Checking or savings account

Account was opened with chase around XX/XX/XXXX. 

I received 3rd party endorsed checks as a form of payment for goods and services rendered to my clients to which I deposited into my checking account with Chase to enforce the instruments. The bank place holds on them requesting that the third parties provide identification for themselves. There were two individual checks and two individuals representing two different checks identified themselves at the XXXX branch. However the money was not released or issued. The bank has held my money for over 2 years with no resolution. When I called on XX/XX/XXXX at XXXX XXXX  I spoke with an associate named " XXXX  '' he would not identify herself with a real name, and was met with the response that I could not take the conversation although that they were taping their end and was provided no account information and told that any dates of deposits dispute or decisions could not be discussed on the phone or provided. The agent was rude and asked why I hadn't pursued this in over 2 years so I turned the question around and asked why the bank had not made any kind of resolution in 2 years or movement to do so .... Subsequently a supervisor called XXXX who refused to identify herself properly got on to the line and when presented with the same question she simply hung up after XXXX minutes of trying to get a resolution or any kind of an answer this is as far as I got. The company and been combative and I openly hostile to the account holder upon learning that the checks were endorsed by a married minority couple of XXXX  status and discriminated against for that reason. 

We want the bank to release the funds to the account holder within XXXX business hours as there have been hardship and damages incurred by depriving the customer of her money.
Product: Credit reporting or other personal consumer reports

For sometime have requested XXXX to report to the 3 credit bureaus this account not past due in XXXX XXXX  2023. It was paid in full on XXXX XXXX 2023 which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking it.
Product: Checking or savings account

I have XXXX XXXX full access to my account. They have verified me via checking account and debit card. Bank of America was supposed to report my recent transactions so XXXX XXXX can calculate my max out to reborrow until next pay day. I contacted BOA XX/XX/XXXX - let the rep know I approve XXXX XXXX, and they are trying to get info so I can receive more funds. XX/XX/XXXX - my light bill was supposed to draft from my account via bill pay services BUT because BOA did not report to XXXX XXXX as requested the bill pay did not go through. In return my lights will be cut off XX/XX/XXXX when I called to try and get help AGAIN from BOA they gave no help at all!! And the thing that upsets me the most is they acted as if they did not care my account was going to overdraft and/or my LIGHTS a very important thing ( as well as XXXX and gym membership ) will not be Paid. Or my account will have many overdraft fees. To put the icing on the cake ; BOA had an online promo at time of application to open my account. The promotion read : " {$300.00} bonus when you deposit {$4000.00} within 90days of opening account, once meet {$300.00} credit will be funded to my account within 1 billing cycle. '' BOA is now telling me that promotion is not on my account. I was choosing between XXXX XXXX and BOA the ONLY reason I chose BOA, a non-local bank, is because of their promotion. I reached $ 4000+ deposit on XX/XX/XXXX Please help me in solving these problems. <P/>Thanks in Avdance!!!
Product: Credit reporting or other personal consumer reports

Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, XXXX is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately.

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by XXXX and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities. 



If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax an FTC report in order for them to remove the inquiries that I did not authorize but they have not complied. I was told it was because they dont have my id and ss card which is not true because I have sent it to them via certified mail several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I unlocked my credit file on XXXX to complete a credit card application with creditor Navy Federal Credit Union for my business account. I received an alert from XXXX on XXXX XXXX that I received a hard inquiry by Navy Federal Credit Union. However the Creditor ( Navy Federal Credit Union ) is saying that no one in their lending office saw the report. The creditor tried to attempt an additional unauthorized credit pull, and denied me indicating my credit report was locked. However, the report was open and unlocked until I received the alerted and check my credit report and saw a new Hard Inquiry from Navy Federal. In efforts to keep myself safe, locking and unlocking my credit file is important. There was no information listed on either XXXX or Navy Federal Credit Union on the time frame, policy and underwriting information on the problem I described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2012 I have been adding a fraud alert through Equifax but yesterday when I call to add a new fraud alert instead of getting the automatic system I got an agent after providing my social security number and other verification info requested the agent said that he would not be able to add my fraud alert unless I sent copies of driver license and copy of social security card according to him to proof my identity information that I had not needed to provide for 8 years.
Product: Credit card

I was XXXX in XXXX when this card was opened and another was opened recently. Ive advised the company I didnt open this and it wasnt authorized by me they werent even mailed to me. I requested the addresses and application information and removal from credit reporting but they just opened another card in my name instead
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute through equifax for a bankruptcy XXXX and I dont believe it was investigated properly, it is case number XXXX, the court number is XXXX, the bankruptcy belongs to my dad which has the same name and same address as me, dont know how they are saying its mine if we have different social security, different age, birthdays, driver license, dont know why they keep saying its me, woukd really appreciate if you could help out or guide me to someone that can do something for me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$21.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am currently a XXXX XXXX i am being told the following inquires would last XXXX years on my credit. I am asking that these inquires be removed for XXXX i never applied for anything because i am always busy with sXXXX XXXX XXXX XXXX. There is no way this is fair to me that these lenders access my report without any consent, please investigate and remove these inquires immediately. I am currently in XXXX this is defamation to my character. remove these inquires
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX {$1000.00} - Fraud Account not authorized by me XXXX XXXX  XXXX {$1100.00} - Fraud Account not authorized by me XXXX XXXX  XXXX $ XXXX Fraud Account not authorized by me XXXX XXXX XXXX-Open- XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX XXXXXXXX $ XXXXFraud Account not authorized by me XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX  XXXX $ XXXXFraud Account not authorized by me XXXX XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXX XXXXXXXX $ XXXX Account not authorized by me XXXX XXXX XXXX XXXX $ XXXXFraud Account not authorized by me XXXXXXXX XXXX XXXXXXXX $ XXXX Fraud Account not authorized by me
Product: Credit reporting or other personal consumer reports

I've submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I provided details of the accounts and highlighted the violations. It's been over 30 days without a response. Attached are copies of all the letters sent.

This company has violated FCRA Section 623 ( a ) ( b ) by failing to mark the account as disputed. Additionally, they have violated FCRA Section 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date. They also continue to fail to validate the collection account, violating FDCPA Section 809 ( b ) according to FTC guidelines.