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

Company states the following : Apple Card Customer : XXXX XXXX XXXX, XXXX We reviewed your credit limit increase request. 
Goldman Sachs Bank USA could not approve your request for a credit limit increase because : Your monthly debt obligations are high relative to the income you reported on your application - examples of debt may include credit cards, loans or monthly housing payments ( how so? ) Goldman Sachs Bank USA received your credit score from XXXX XXXX XXXX. ( X ) Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Your credit score ( XXXX XXXX Score XXXX ) as of XXXX XXXX, 2023 : XXXX ( Abuse of My Reports Contingent upon " Income Stated '' - 2nd attempt this month for XXXX XXXX XXXX  ( Also Incorrect ) Credit scores range from a low of XXXX  to a high of XXXX. 

Goldman Sachs Bank USA does not make credit decisions on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, marital status, age, or military status, among others. We also do not consider your assets in checking, savings, or investment accounts unless you were asked to provide this information during your Apple Card application. 

Learn more about how your Apple Card credit limit was determined Your credit line increase request did not result in a hard inquiry on your credit report. 

Key factors that adversely affected your XXXX XXXX Score XXXX : Length of time accounts have been established Lack of recent installment loan information Too many inquiries last 12 months No recent bank/national revolving balances If you have any questions regarding your credit score, you should contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX This decision was based in whole or in part on a report from the consumer reporting bureau ( s ) listed below. The bureaus themselves played no part in making this decision and are unable to supply specific reasons why your credit request has been denied. 

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file. You also have a right to a free copy of your report from the reporting bureau ( s ), if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report ( s ) you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting bureau ( s ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Company will also not lower APR ( I have many cards, which have been paid on time every month in full for over 5 years )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call returned call. Transferred me to someone e else. Before is said anything he asked is " this XXXX XXXX '' then he said " ok Mr then he said my birthrate and last 4 of my social '' then send there a court case that has been filed against you ''. At that point I told him not to call me again. Ever sence then they've repeatedly called from XXXX XXXX XXXX. Then they would call from a random cloned number right after. They do this 2 to 3 times a day sence XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my profound concern in regards to a few questioned accounts on my credit report. Regardless of different solicitations for an exhaustive examination concerning these errors, I presently can't seem to get any goal or remedial activity. These mistaken records are making critical harm my credit document and are seriously impeding my capacity to carry on with an ordinary existence. 

The adverse consequences of these errors have brought about enormous difficulties for me, and I'm left with no decision except for to desperately look for your help with redressing what is happening. I generously demand that an exhaustive examination be directed into the revealing of every XXXX of these contested records. It is basic that the essential advances are taken to immediately refresh and address my credit report. 

With your assistance, I desire to reestablish the exactness and honesty of my credit document, permitting me to recover command over my monetary prosperity. I earnestly encourage you to focus on this and make a quick move. Your participation and backing in settling this issue would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting

I was a victim of identity theft and followed the procedures outline by the FTC guidelines as found here : XXXX XXXX the FCRA B requires that the credit reporting agency " Block the reporting of any information ... not later than business days after the date of receipt ''. 
Experian, XXXX, XXXX have refused to acknowledge such after receiving all required documents including : proof of identity, copy of identity theft report, consumer statement, etc. 

They are playing games and keep sending me documents by mail that state that I have not provide sufficient information. This is a blatant lie. I have mailed all required identifying information required by the FCRA certified mail and have proof of sending ledgible copies. This is a tactic for stalling and not following the laws.
Product: Credit reporting or other personal consumer reports

Last payment made to original creditor XXXX XXXX  was on XXXX. Outstanding debt was acquired by Portfolio Recovery on XXXX. Debt is forgiven after 7 years of the last payment to original creditor and Portfolio is trying to collect after said debt is forgiven. I request this be removed from my credit immediately.
Product: Debt collection

On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because there are obvious inaccuracies. 

The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference and once again it is Caine & Weiner 's job to make sure this information is correct by conducting a proper investigation. 

Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my report, I saw a collection account for {$200.00} from XXXX XXXX from a power company. This power bill is not mine. 

On XX/XX/2023, I sent a dispute via certified mail to TransUnion and XXXX, explaining how that account was not mine and that it should be deleted. In response, both companies claimed the account was verified as accurate. 

On XX/XX/2023, I sent a debt verification request to XXXX XXXX via certified mail. In response, XXXX XXXX sent a letter claiming that the debt originated from an address I have never lived at ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC ). Additionally, XXXX XXXX failed to provide adequate debt validation per the Fair Debt Collection Practices Act. 

On XX/XX/2023, I sent copies of all the aforementioned documents to TransUnion and XXXX via certified mail. Again, both companies have refused to remove the collection account from my report.
Product: Debt or credit management

DEAR SIRS : C.F.P.B RE : AVANT CARD APLICATION.. INVITATION WITH CODE. 

XXXX XXXX XXXX AVANT THANKS XXXX YOU CREDIT CARD HAS BEEN APPROVED IN {$300.00}. DOLLARS YOU COULD RECEIVED IT IN 7, OR 10 DAYS XXXX XXXX TO XXXX XXXX, 2024... WE ARE XX/XX/year>XXXX  AND IN 1 MONTHS I HAVE NOT RECEIVED ANY CREDIT CARD NOR NOTIFICATION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PERSONAL.
Product: Credit card or prepaid card

My Chase bank XXXX credit card was mistakenly charged by XXXX in the amounts of XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. When I notified XXXX of this, XXXX sent me the attached letter on their letterhead authorizing my credit card company to issue a refund to me. I did as they suggested and forwarded their letter to Chase bank ( XXXX card ), but Chase informed me that XXXX then told Chase that the charges were appropriate due to the vehicle being returned to the XXXX rental location with damages. However, I was never informed by XXXX of any such damages, although a reservation confirmation email from XXXX stated that I would be informed of any damages. Moreover, there were actually no such damages to the vehicle, and the above charges are also unjustified for the reasons below. 

First, the charge of {$380.00} was posted by XXXX to my credit card account on XXXX XXXX, XXXX, which was XXXX days before the car was returned to XXXX on XXXX XXXX, XXXX, so it was impossible to ascertain any damage at the time of the charge ( and there was no such damage, in fact ). 

Second, because there was quite a lot of existing damage to the vehicle when I picked it up, I took the attached 13 photos to show the existing damage to the vehicle. This car had about XXXX miles on the odometer and was driven only about XXXX miles by me in the few days that I had it. There was absolutely no additional damage in the time that I had the car. The XXXX employee to whom I returned the car looked it over and had no comment about any damage at that time. In short, there is absolutely no validity to the claim to Chase bank that the vehicle was returned with damage, and no evidence of such damage, or any description of such damage, has ever been provided by XXXX. 

The Chase dispute process has been completely ineffective, finally stating that they can not refund because too much time has elapsed since the charge, even though any delay has been on Chase 's end and not mine. I received acknowledgement of the dispute from Chase on XXXX XXXX, XXXX ( attached ), and received a letter dated XX/XX/XXXX ( attached ) from Chase, where I was informed of the claim of damage to the rental car for the first time. I re-disputed on XX/XX/XXXX, sending the attached email at the direction of a Chase telephone representative. Chase sent me a letter dated XX/XX/XXXX ( attached ) saying nothing could be done because too much time had elapsed. From the dates above, it is clear that any delay was almost entirely on Chase 's end and not mine.
Product: Credit reporting or other personal consumer reports

unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. It also breaches the contract/agreement between myself and FASFA about my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. 

DATE XXXX XXXX COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA
Product: Debt collection

The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Reported Late Account Never Late XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

After restoring my digital wallet which stored cryptocurrencies on XX/XX/24 Blockchain.com removed my 'Know Your Customer ' ( KYR ) verification details. I instantly re-submitted my details ( passport photo etc ) for verification. The company indicated it was dealing with the request and the process would be quick. 

That was back in XXXX. Despite at least XXXX help desk and email requests my verification status is unchanged. 

Because I'm not verified I have no access to my cryptocurrency held by Blockchain.com. This means Blockchain is holding my assets against my wishes. 

I sent a recorded delivery letter to them dated XX/XX/24 stating my concerns and asking for reassurance that the company was still legitimate. I received no response. 

It is my belief that the company has gone rogue but continues to trade and accept people 's money in exchange for crypto assets. 

I should note that BlockchainXXXX  has lost its XXXX XXXX XXXX XXXX XXXX ( XXXX ) approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX  AND XXXX  HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND THIS COMPANY XXXX XXXX IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX  AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATIONXXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXXXXXX BALANCE XXXX
Product: Mortgage

I deal with Carrington Mortgage Service. I reached out to them in XXXX when the rates were low about remodifying my loan. The rates were at about 2 %. I have tried to keep in total contact with these people to get this spearheaded. I have called at least once a week trying to keep on top of this. I have been met with so many different people telling me I had to do different things, right down to having to redo the paperwork!! First I faxed the paperwork. I called back to check and see if everything is ok. I am told the signature page got cut off. So I went down to XXXX XXXX and refaxed the signature page. I called back and was told that the whole thing had to be redone because of multiple errors! I had one error where I accidently put the yearly income instead of the monthly income. I was told they were sending me another packet so I wait and not packet. I call back and was told to download off of the website. Ok so I did this and resent the packet. I finally resent it again on XX/XX/XXXX. I call back to touch base and find out if it is good. I was told that it was in final review to call back following Friday. Before I had a chance to call back they sent me a paper telling me that my form was incomplete again!! Talk about mixed messages.. So I called again and was told to ignore that notice that they had the final paperwork. To my surprise they are telling me that I was not getting the 2 % but I am getting 4.62! because I was told I got the rate that was standing when the paperwork was approved. My loan now is at 4.75 % I feel that they were leading me around to get by interest rate. How can my paperwork be incomplete and approved within 4 days of one another without any revision? I feel that I am being discriminated against and taken advantage of and the victim of predatory lending practices. I am almost to retirement age. I have had to deal with XXXX among a host of other XXXX  issues since XX/XX/2021. I have been told by numerous people for a big fee {$4000.00} and up they could help me. I don't have that either. I need some serious help with these people and do not know where to turn.
Product: Credit card or prepaid card

On XX/XX/2022, i opened an account with capital one, received my card in the mail but never used, as i pull my report up i see inaccurate reporting of late payment and a high balance.i also did not receive any written notice whatsoever about any late payment. 
i would like to address this immediately and get this negative removed from my report.
Product: Credit card

I am requesting that XXXX REVVI CARD immediately close my REVVI Card Visa Credit Card Account. I dont want the REVVI Card Credit Card Account. I want the account immediately close and I want REVVI CARD to delete and remove my personal information from their records database. Additionally, I want REVVI CARD to send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the REVVI CARD Visa Credit Card Account from my credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Checking or savings account

BOA closed my checking and saving account on XX/XX/2024. Their XXXX told me they would give the money back to me through a check. And I received the check ( around {$500.00} ) from my checking account on Monday ( XX/XX/2024 ). But i didn't receive the check ( more than {$34000.00}, i can not remember the number. ) from my saving account. They just told they dont know the reason when I asked them why they closed my account. I thought at least they should give me a reason. Let me know what happens!
Product: Money transfer, virtual currency, or money service

While I was in another country on XX/XX/2023, someone impersonating a Chase Bank employee claimed that they were from the fraud department and noticed suspicious activity on my account. They had a caller ID of Chase Bank and used the XXXX text thread to send me a confirmation text code. Immediately after the call ended there were four ( 4 ) separate ATM transactions of {$200.00} removed from my account, totaling {$800.00}. I called Chase and filed a report on XX/XX/2023 and was temporarily reimbursed the full amount. On approximately XX/XX/2023 Chase denied the claim because their system traced the approval for the transaction back to my personal device ( e.g. Face ID and wallet, documents can be provided ). I called Chase again on XX/XX/2023 to file an appeal and the representative indicated that I would have to fax supplemental documents such as phone/text records and bank statements, indicating that the fraud occurred, and that the individual impersonated Chase Bank through XXXX. The results of the re-appeal came on XX/XX/2023 with interim communication with Chase employees who repeated the results of the investigation, which was denied, but did little to address the fraudulent activity or any responsibility for protecting my money against scamming.
Product: Debt collection

A medical debt collection was added to my credit report for {$940.00} on XX/XX/2022 by an agency called Paramount Recovery with the original creditor listed as XXXX XXXX XXXX XXXX XXXX for the date of service being XX/XX/2022. This debt has been paid by both insurance and financial assistance through the system where the services were received, well before it was legal to turn over to collections. I would like action taken against this collection company as well as the original creditor immediately and I would like to pursue a lawsuit against both the original creditors and the collections agency the debt was turned over to immediately as this was highly illegal under the Fair Credit Reporting Act.