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

Purchase Date : XX/XX/XXXX Product : XXXX  XXXX XXXX XXXX XXXX XXXX : Apple Card Card Issuer : Goldman Sachs Problem : Apple Card Monthly Installment Plan For specific Apple products purchased with Apple Card. 
Amount : {$810.00} Installment amount : {$34.00} I purchased the XXXX XXXX XXXX on XX/XX/XXXX under the Apple Card Monthly Installment Plan for Apple products. The total amount, {$810.00} was applied in full to my Apple credit card. Not the monthly installment amount, {$34.00}. As a result, my available credit for purchase was reduced, an increased total remaining card balance, and Apple Card has reported information to the Credit Bureaus suggests a higher credit utilization rate with this card. 
During the phone call with the Apple Card Specialist, who helped me with the application and applying for the Monthly Installment Plan didnt fully disclose how the Monthly Installment Plan works or potential effects to credit and credit availability and overall interest charges that potentially will arise. Additionally, I have read and reviewed the availability information on the Apple Card website and the terms and conditions available in the Apple Card Customer Agreement pertaining to the Monthly Installment Plan. There is no mention, directly or indirectly of, the amount of the product being charged in full to the consumers credit card when purchased under the Monthly Installment Plan. Moreover, the consumer is forced to pay off their card balance in full before paying off the product purchased under the monthly installment plan. Apple Card & Goldman Sachs has drastically infringed on consumers abilities to manage personnel debts. For example the strategy of paying down/ off debts with the lowest interest rate.

I am also concerned with interest charges. Apple states, customers wont pay interest on the specific item purchased on their card under the monthly installment plan. However, as I mentioned before, the total amount was applied to my card increasing my total card balance amount remaining/ owed. To my understanding interest charges are calculated using ones total card balance amount remaining/owed. I have reached out to Apple Card Services. I have talked with numerous Card Services Specialist and Supervisors on various occasions regarding my complaint. However, I have not heard from anyone else from Apple Card Services regarding my complaint. Moreover, in the documents and areas of information available to consumers previously mentioned it further creates confusion about the monthly Installment plan and is misleading when Apple/Goldman Sachs stated eligibility is subject to credit approval. Which suggests consumers will be subjected to another credit check to determine credit worthiness for the monthly installment plan separate from the current credit card account currently held. Lastly, the charges for the monthly Installment plan is always charged after the close of a billing cycle, creating a new charge for the next billing cycle even if I hadnt made no other purchases to produce a new bill
Product: Credit reporting or other personal consumer reports

I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.
Product: Credit reporting or other personal consumer reports

Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Equifax must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Equifaxs duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 



Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  male, from XXXX, Illinois. ( maroon late model XXXX XXXX temp plates ) wanted for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unlawful restraint, and XXXX XXXX  Can we post his photo for capture so no others are hurt? If needed will post a reward myself for his capture! 

XXXX XXXX ( Small Red no tint 4 Door XXXX illinois plates silver or grey hubcabs small wheels ) chase checking ends XXXX Chase card : XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) Local assault / attempted XXXX  Occurred : XX/XX/XXXX XXXX XXXX XXXX report : XXXX Chase opened an account without proper user identification, this criminal never lived at my address by planned to XXXX  me and live in my home for XXXX. Its unacceptable to allow individuals to open accounts without proof of residency this is illegal!
Product: Debt collection

I received an alert from XXXX  that I had a collection on my credit report. I called the Kimball, Tirrey, and St. John and advised them that I do not owe this and was told to send a letter to them advising that I do not owe the amount that was on my credit. I sent the letter to them and received no response. I was never sent a letter of collection from them at all. I contacted the XXXX XXXX XXXX   and Kimball, Tirrey, and St. John advised that they would send a letter to me of what was owed and I did not receive that letter. This is fraudulently on my credit and I advised them of this and the amount still remains. I need this deleted from my credit and a deletion letter issued to myself as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted 2 previous complaints regarding the internal block XXXX has on my right to access my right to dispute and view my XXXX credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/year> and the company replied. As of todays date, XXXX has not followed thru with any of the steps stated. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : FRAUDULENT INQUIREExperian report # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid  you in resolving this matter promptly.
Product: Credit card

On XX/XX/XXXX, I visited BestBuy to purchase appliances ( fridge, washer, dryer, TV and speakers ) for my new home, a purchase totaling {$6500.00}. During checkout, I was offered to sign up for " interest-free '' plan for two years from the store associate, which I accepted. Without explaining what I was signing up for, they set me up for a XXXX XXXX/month payment plan on autopay and said it would be paid off in two years without me having to do anything. After that, I never received a single statement in mail or email for 2 years! All I saw was {$300.00} deducted from my bank account every month. Around XX/XX/XXXX when I checked my bank statement I wondered why the monthly payment still being deducted and called BestBuy requesting full statement history since beginning. After waiting for 2 weeks to finally receive all my missing statements, I was surprised to see that instead of a near-XXXX balance I had been charged a deferred interest amount of {$4000.00} and my statement balance is still over {$5000.00}. At no point in the entire process did the associate explain what deferred interest is, how it works or how it is even different than interest-free. In fact, they were verbally promoting this offer using misleading verbiage such as interest-free and XXXX-interest instead of telling the truth about deferred interest or explaining how I have to pay off the balance strictly by XX/XX/XXXX or expect a {$4000.00} fees in interest on XX/XX/XXXX. Had I known the truth at the time, I would have never signed up and immediately paid off the balance. 

At no point did BestBuy or Citi send me any communication indicating that my promotional period was nearing its end by mail, phone, or email. When I signed up for the card at the store, I had been under the impression that the interest-free promo would not apply retroactively, based on the way the terms were explained at the time of signing. As an immigrant to this country, this is unfair business practice because they are signing up customers for failure using misleading phrases and without explaining what we are signing up for, and the financial burden of having to pay over 30 % interest almost same as the purchase itself is unjust. Lastly, after researching the issue, I have discovered that several other consumers have reported similar experiences with BestBuys deferred interest plans on various online forums including XXXX.
Product: Debt collection

My wife and I have been called repeatedly by Lowe's/.Synchrony Bank by their XXXX call center. They stated we had not paid them since XXXX 2015. That is because our account has been paid off in full. The call center agent accused us of not paying our bills and even asked my wife, ( she is not the card holder ), if she paid her bills. I have spoken with XXXX of the call center reps when he threatened to turn us over to a collection agency. 
I would like to make other consumers aware that the Lowe 's Synchrony Bank demonstrates very poor business ethics.
Product: Mortgage

M & T bank has not applied, barely any of the payments I have made since the month of XXXX and is saying I am in default because they are not applying my payments appropriately. they have even sent them back as escrow refunds which they are not. I have been forced to pay over the phone, which cost me money to do because you have to pay to pay over the phone. 
Then they send me a foreclosure notice right after I cash the one check to attempt to pay them again. 
The mortgage company is now demanding I send Them a XXXX XXXX check for an amount over {$4000.00} which is incorrect. 
If a mortgage servicer collects the mortgage payments on my behalf, & accepts mortgage payments while the loan is in default the mortgager waived its right to foreclose, and thus should be prevented foreclosing. 

they stated these were returned as escrow refunds or because they didnt accept partial payments but per my loan agreement I am able to make partial payments and they should be applied accordingly. I am also permitted to use billpay to pay my payments because apparently M & Ts ACH payment processing is inadequate and corrupt with error which is what began this entire mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$170.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the XXXX data breach, which compromised my personal information and has raised concerns about potentially fraudulent accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting detailed information on the method of verification used to confirm the legitimacy of the following accounts appearing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX XXXXS. DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATION-XXXXXXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give Transunion, XXXX, XXXX written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act XXXX XXXX, XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A : States I have the right to privacy 15. U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with my written instruction.
Product: Money transfer, virtual currency, or money service

Through the XXXX app version of Coinbase I bought one XXXX for the price of {$84.00} XXXX on XXXX/XXXX/XXXX. I emailed Coinbase asking about the charge ( my memory lapsed and I had forgotten what the charge was for since it took a while ) and asked for more information. They placed a hold on my account in case of unauthorized access and I went through new passwords, two-step verification answered their questions about my account. I verified my account was safe and let Coinbase know I resolved the dilemma. Since XXXX/XXXX/XXXX I have been waiting for my account to be unfrozen and to receive the XXXX. I emailed again on XXXX/XXXX/XXXX asking for an update and help resolving, and then again on XXXX/XXXX/XXXX. I went through another email to receive help from Coinbase support through a email portal through their website on XXXX/XXXX/XXXX and that has yielded no results either.
Product: Vehicle loan or lease

I have been trying to buyout my lease with Kia finance America for about a month and there has still been no update to my account with them. I have an approved loan with my credit union I sent Kia the endorsed check with the wet signed odometer statement they requested and now Im being told the check is most likely lost, or just going to sit at their office because they dont have any way to tie it to my account since my credit union was unable to print with my vin listed. Since Kia is telling me my check is now lost I have cancelled it and asked my credit union to reissue another one they have now mailed me a new one but Kia representatives keep changing their answer between me being allowed to be listed on the check or not. I cant seem to get any direct answer from them on if I were to mail them the new check if they will except it, I also asked if them if the original check were to show up if they could just mail it back to me so I could void it they responded with no and that it will most likely just sit at their office until someone shreds it.
Product: Mortgage

I have a loan mod with bank America/ XXXX they allowed me a trial period and said that they would lower interest rate to market rate..I completed trial period ... they offered me a rate of 6.1 percent. I do n't even know, from the agreement, if that rate is fixed or what. They gave me until the XXXX of XXXX to accept this deal, or possibly NO DEAL ...?? I NEED a market rate, that will make it affordable. Thanks
Product: Vehicle loan or lease

I was in a wreck in XXXX of 2024. I informed my loan company XXXX consumer that the other parties XXXX XXXX was not cooperating. 
I informed my loan angcy that the car was Undrivable. 
I then disputed the negative report that I revived. 
I also informed the XXXX consumer that I was not able to pay on the loan due to XXXX not cooperating. I also had XXXX coverage that was also unable to move forward due to XXXX XXXX not moving forward. I disputed the report due to the lack of XXXX XXXX not moving forward. 
XXXX did not assess the damages to my vehicle an left it at the tow yard. In the end not only did the vehicle become repossessed but I have also received a lot of emotional stress an damages due to this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent in multiple letters to XXXX, TransUnion, and XXXX  and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.