23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi, In XX/XX/XXXX, I received an email stating that I had an Apple credit card and that a payment was due soon. However, I didn't pay much attention to it as I didn't recall having an Apple credit card. Later on, I received several more emails regarding the same matter. My husband and I decided to contact Apple Card support to inquire if there was an error or fraud. The representative informed us there was no credit card under my name but suggested I report the issue to the police. Nevertheless, since there was no card existence, I didn't give it much concern at the time. 

Despite this initial dismissal, the emails persisted, and the amount owed increased due to non-payment. In XX/XX/XXXX, I contacted Apple Card Support once again. This time, the representative informed me that I did indeed have an unpaid Apple credit card. When I mentioned my previous call, where I was told there was no card, the representative assured me they would close the card and initiate a search, which they estimated could take up to a month. 

However, the emails for late payment notifications continued unabated, and I observed my credit score decreasing. Fearing accumulating debt, I took action on XX/XX/XXXX, by contacting Apple Card support and offering to pay all outstanding balances, which had ballooned to {$2600.00}. I asked how to fix the situation to minimize damage to my credit score. Unfortunately, I was informed that there were no immediate solutions except for vigilantly managing my balance and making timely payments.

After making the payment to avoid any more impact on my credit score in XXXX, I noticed a discrepancy in my XXXX credit card statement. I had purchased XXXX iPhones but, upon reviewing the payment details, I realized only XXXX of the phone payments had been processed on my XXXX credit card but not the other XXXX. Additionally, I discovered an unexpected charge of {$44.00} on XX/XX/XXXX, which I promptly paid. 

It was an error that the first representative I spoke to gave me incorrect information about not having an Apple credit card under my name. This caused me to pay extra fees, as well as reduce my credit score. I would like to request the reversal of any fees encountered from the late payment as well as the reversal of the credit score impact caused by errors from the customer success representative at Apple as well as the fact that they gave me an Apple credit card without my consent.

I've encountered resources online discussing disputing such errors. It sounds like they were able to receive help from Apple to reverse their fees and impacts on their credit score. I would like to request help on this.

Thank you for your attention and support. 

Best regards, XXXX XXXX
Product: Student loan

My loan was transferred from XXXX to MOHELA a few months ago. My payment amount on MOHELA changed from my amount I have been paying for 20 years. I did not request or authorize a change in my loan terms. It changed from $ XXXX to $ XXXX with the same interest rate of 3.5 %. This means my loan would not be paid off in XXXX, as planned, however in XXXX at that new payment amount, in addition to extra interest I would have had to pay. The extra interest would have been at least $ XXXX at the end of paying it at the lower $ 206 monthly payment. 
I contacted MOHELA on XX/XX/2023. They were able to change my payment back to my amount of {$310.00}, however did not have an explanation as to why the change occurred. I explained to them did not ask for or authorize any payment changes or changes to my loan terms. 
I am concerned this XXXX have happened to other borrowers and that they will end up paying more money for their student loans, then they also had originally agreed upon and without their permission. 
I would request an inquiry into the loans recently transferred over to MOHELA, to see if this is a larger issue or only specific to my case.
Product: Credit reporting or other personal consumer reports

This week a collections popped up on my report with XXXX. This collection ( XXXX XXXX XXXX ) does not belong to me I have no knowledge of this company. They will not provide proof that I have or had a contract with them so they need to delete this off my credit report immediately. 

This is breaking Law 15 CFR 1006.34 ( c ) ( 3 ) ( I )
Product: Credit reporting or other personal consumer reports

OneMain wrote off on their taxes as a profit loss/charge-off, at the same time they were supposed to send me a 1099C so I can write it off, because it is considered income according to the IRS. OneMain are still reporting on my credit report that I still owe the balance even though they took a tax break. I requested a copy of that 1099C that was filled with the IRS. The credit union told me they have not filed it yet. But on my credit report it said you did file a 1099C, with the IRS. I am going to sue you in Federal Court for FRAUD under the FCRA - Fair Credit Reporting Act, I can seek statutory damages if creditor furnishes Inaccurate Information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt. This is FRAUD I am talking about ; I am going to report you to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both XXXX  and Equifax have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. Equifax uses non-American people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out regarding an issue with my account that is affecting my credit report. My cable service with XXXX was disconnected, and since I was not under contract, I was incorrectly charged for an additional month. After discussing this with XXXX, they acknowledged the error and issued a credit to my credit card. 

However, I have recently disputed the credit bureau and reviewed my credit report and noticed that there is still a reported balance in collections related to this charge. Since XXXX has already credited me for this amount, I request immediate action to correct my credit report by removing the inaccurate balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} TRANSUNION : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company progressive determined that my car was a total lose and issued credit acceptance a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled XXXX, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am XXXX days behind on payments and owe them XXXX ( the amount keeps rising so XXXX not for sure on amount ). This is the second time reporting credit acceptance the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX & XXXX XXXX XXXX I had late payments reported to the credit bureau. During that time I was laid off due to Covid & called Ashley Furniture to set up payment arrangement in the meantime & I was told it wouldnt be reported however it was. Ive sent a previous inquiry to have the late payment removed seeing as though I have not had any missed payments since & the U.S was experiencing a pandemic. I received response back that having the late payments removed is respectfully declined however I believe my account should be re-reviewed & I should receive some type of grace. I have several accounts with Synchrony bank, if you look at my payment history youll see Ive been in good standing for over a year.
Product: Mortgage

I applied for a home equity line of credit from my bank. During the review process there were some missed mortgage payments. I explained to the loan processor that my wife had passed away and automatic payments drawn from our accounts were stopped upon her death. I told them that I was unaware of this due to circumstances related to bereavement. 
The amount of money that I make annually is adequate and is going to be enough not to exceed service to income debt, but what is most is most important is that I do n't owe money except vacation property that is over XXXX more in equity value than when I purchased it.
Product: Debt collection

XXXX credit points was brought down because of an account called MCSI Inc. I searched what that was in XXXX and is a debt collector of red lights violation to parking violations. I searched also that I should 've received a letter from them that I owe debt but I did not get any letter. I 'm very confused and frustrated with what 's going on. I have n't been driving for months and I have n't lived in the state of Illinois ( which MCSI is located and has to do with violations in Illinois ) for a year already. I would like to know what 's going on, do some agreements, and get my score back to normal as soon as possible.
Product: Debt collection

This is the sixth time that I am filing a complaint about the same issue. I have also filed a complaint to the Office of Comptroller of the Currency as a result of the noncompliance and the abuse done to me as the consumer. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account. Pursuant to Civil Liability sections 15 U.S. Code 1640, 15 U.S. Code 1611, and 15 U.S. Code 1692k, Discover is liable to compensate me with monetary remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. XXXX XXXX I have XXXX missed Payments it was open XX/XX/XXXX, XXXX  XXXX XXXX I have XXXX missed payment on XX/XX/XXXX open XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX  I have XXXX missed payment on XX/XX/XXXX & I owed {$1100.00} open on XX/XX/XXXX. They are not the Original Owners 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I called XXXX. 
The number given in the identity theft toolkit found on TN.gov for the credit beareau transunion. it said it could not collect the Then I called back and it sent me to a medical advertisement. I called a 3rd time and it had me give my ss # and then hung up on me. They also did not record the phone call. 
Then i called XXXX for the credit beareau XXXX. also found in the toolkit for identity theft toolkit on TN.gov. they recording started requesting social and address with out recording the phone call. I spoke with XXXX maybe fifteen minutes before requesting a fraud alert be placed on my credit. They were very helpful and gave me a confirmation number for the fraud alert. The other two companies are not cooperating at all. I need everything in my name credit ss # and credit frozen until an investigation can be done with everything on it and alerts directly to me if anything changes on my line of credit while the investigation is being handled.

Please help me contact who ever will record and take my phone call for Trans Union and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to : CFPB # XXXX Reference # : XXXX Acct # : XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX In your 4th paragraph, from what I understand it seems to say that XXXX received my XX/XX/XXXX payment on XX/XX/XXXX which was applied to XX/XX/XXXX and that according to my bank it cleared in XX/XX/XXXX. 

Please see attached XX/XX/XXXX & XX/XX/XXXX statements noting payment to XXXX on XX/XX/XXXX & XX/XX/XXXX. My XX/XX/XXXX payment was paid at end of month when I closed escrow. 

I am not quite sure what XXXX means or what you meant by the 4th paragraph of letter sent to me on XX/XX/XXXX. See attached your letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is through Freedom Mortgage and in XXXX  we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.
Product: Debt collection

I submitted a police report to affirm and they are now reporting to experian that my account is past due and this account does not belong to me.
Product: Checking or savings account

I went to Bank of America on XX/XX/XXXX to deposit my pay around XXXX. I had asked my employer to pay me cash because I needed to pay some bills and didnt want to wait for my check to clear. I attempted to make the cash deposit at the ATM and after I inserted my money in the machine, the machine started malfunctioning and went to the home page. It didnt not give me credit for my whole pay. I immediately called Bank of America to figure out what to do. The representative said to not worry, that my cash was safe in the atm and that a claim would be made so that I could get a credit for that money in two days due to the circumstances. She asked to give her the ATM number that was displayed on the ATM, I had to look everywhere and it was not present so I had to look at the other atms so she could disqualify those and see where I was. I waited two days and nothing showed on my account. I called the bank again and they said it was going to take 10 business days for the credit to show, that I wouldnt get the credit until XX/XX/2024. I re-explained I had to pay bills and there was no way I could go through the holidays without any money at all. They said they would try to expedite it and I would most likely receive the credit in 2 days ( keep in mind they had said they would do this when I first filed the complaint and didnt ). I waited the two days and called to see if there were any updates because even though I had requested written updates, none were given ). The representative said the expedited request was denied. I asked for what reason and to be connected to the team that makes that decision. She said, they do not even talk to them and had no way of communicating with them. My account is now negative so I asked if I would get charged overdraft fees when they are the reason why my account is over draft and they are keeping my money interest free. She said I would, and had to keep calling back to ask to please waive the fees but even then it wasnt guaranteed. 
This issue occurred through no fault of my own and yet Im being punished for Bank of America not maintaining their equipment. Now I have to go through the holidays with no money, have no money for bills, no money for rest, have to keep wasting my time calling them to please waive the overdraft fees and give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
Product: Bank account or service

I have XXXX XXXX XXXX reporting me to the ChexSystems due to Suspected Fraud Activity. They have closed my bank account and took over XXXX dollars in fees that I was unaware of. I have requested an amount owed to this bank or a detailed reason and list of references of this matter with my signature so that I can resolve it and have this reporting deleted. I am unable to open another bank account due to this reporting on ChexSystems. I have a XXXX balance with them and still have not been given any documents pertaining to the reason or evidence of why my bank account was closed and the reporting me to this company.