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

This is regarding the Goldman Sachs Apple Credit Card. 

Apple/GS released this card to the public without making it abundantly clear that account activity would not be reported to any credit bureaus.

It took them 4-5 months to just report general account info to XXXX. They currently have no plans to include any of the other credit bureaus. They are instructing customer service representatives to tell customers that they may potentially report to the other bureaus in the future but have no plans currently. Any deeper inquiry gets shutdown immediately with clearly canned responses.

The entire experience made me very uncomfortable, I probably would not have opened the account if I new this at the point of application, and I am fairly sure it was not included in the account agreement, which they may have updated after the fact.

Apple/GS is not following standard industry practices, is being very guarded and unclear with their customers, and has zero plan to fix the issue. 

I am worried about the popularity of this card - think of younger generations who can do whatever they want with this card without any impact to their overall credit score?

This is unacceptable behavior from two very reputable companies, I think it is unfair to consumers and should be addressed immediately, not in the next 3 years. I challenge the CFPB to hold these Goliaths accountable.

Thank you for the attention and time to this matter.
Product: Checking or savings account

On XX/XX/year> around XXXX, my husband deposited XXXX through the ATM machine XXXX. He received a receipt stating transaction declined and a XXXX came back out. He went inside the bank to let them know and was told to contact the corporate number at PNC because they were too busy. I called PNC corporate number on XX/XX/year> around XXXX, filed a dispute and then called the branch back XXXX  times before they finally answered the phone around XXXX stating the machine had a lot of issues and to wait for the dispute process to occur. I was then credited back XXXX, to which I had already let the bank know it was XXXX. On XX/XX/XXXX, they took the XXXX credit back out of my account, transferring it from savings. I called the bank who basically insinuated that I lied about the transaction and that the ATM showed it was balanced correctly. I told them I would be filing a police report, which I did on XX/XX/XXXX, and that I would file with FDIC, XXXX  and anyone else willing to listen. I then received a call back from PNC who I was able to provide more details to. They conducted a XXXX investigation, credited me back the money, and found that I had told the truth. I wasted numerous hours speaking with legal representation, the bank, the police, etc.
Product: Credit card or prepaid card

Never applied for a credit card with Bank of America but was issued a card. Called and address was changed on account and new card issued and used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the DATA BREACH FROM EQUIFAX ... and a major victim of identity theft ... and to be honest with you XXXX and XXXX XXXX great, they helped resolve all the issues I have had as a result from the DATA BREACH. EQUIFAX is still reporting fraudulent information and I have a 200+ credit score difference with Equifax .. I disputed this account for over 2 years now ... have police report from Washington DC and they still report it, ... I Dont know what to do because so much of my credit file that was me is now gone and all that is left is the FRAUD with Equifax and I can't get rid of it ... There is literally 5 closed accounts of mine that have been deleted or removed from all 3 agencies.
Product: Debt collection

I lived in an apartment community in XXXX XXXX for over several years but I had to move out due to my health as I am XXXX and unable to work anymore. They keep telling all 3 credit bureaus that I owe {$1000.00} in which I do not owe. I went down to tell the apartment manager before the rent was ever due that I could no longer stay there because I faced eviction if I stayed. I was only getting around {$700.00} a month through SSDI at the time and the rent was {$650.00} plus utilities. I decided to go down and face the manager head on with my problem. I did not want to wait to tell her that I was no longer working at the XXXX there in XXXXAs you can see from above I would not have been able to stay in this apartment. I did apply for housing assistance but there was like a 3 year wait list already waiting. I moved in with my daughter which I did not want to intrude on her but had no where else to turn or stay at the moment. When I moved out, I took my keys to the manager and they insected the apartment for damage and found none. They just told me to make sure the appliances were clean as they were going to remodel this apartment anyway. They would tear these apartments down to the bare stud walls and start over. I know, I witnessed this as others had moved out. They also kept my {$350.00} deposit that I gave them when I moved out. No worries there as I was sure they would do this. Now this has been turned over to a collection agency in fact all 3 for {$1000.00} that I do not owe. I did what they asked of me. This is discrimination of my XXXX as well I feel. I can not help what happened to me. To be fair I wished I was still in my apartment and working at the XXXX Best job I have ever had in so many ways. When I tried to contact the Collection bureau they are nasty people and told me that they can not talk to me and that my XXXX is no worry for them. Hateful people and what they said I can not put into this letter. It is awful. I want this erroneous info removed immediately as it is keeping me XXXX No collection agency has a right to treat people this way. Do not rent from XXXX XXXX XXXX Apts. This is terrible I need a place to live. I have disputed this info several times to all 3 credit bureaus as it is wrong and keeping me homeless. To no avail.
Product: Credit reporting or other personal consumer reports

TransUnion has ignored my disputes long enough, and I am beyond furious at its complete disregard for accuracy, consumer rights, and federal law. I have repeatedly disputed the false and inaccurate information on my credit report, yet TransUnion stubbornly refuses to correct its mistakes. XXXX is enough! This is not an oversightthis is a deliberate and reckless violation of my rights that has caused me serious harm and unnecessary financial stress. Under 15 USC 1681e ( b ), TransUnion is legally required to ensure maximum possible accuracy in its reporting, yet it has failed miserably in meeting that obligation. I have provided evidence, filed multiple disputes, and yet TransUnion continues to report false information, while other credit bureaus have correctly updated my file. Why is TransUnion the only one refusing to follow the law? If TransUnion had been complying with federal law, this inaccurate information would have been removed a long time ago. Under 15 USC 1681i, TransUnion is required to conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. It has failed to do so, time and time again. This is proof that TransUnion is not conducting proper investigations at all. If other bureaus can get it right, why cant TransUnion? This is either gross incompetence or deliberate noncomplianceeither way, it is unacceptable and illegal. Additionally, under 15 USC 1681b ( f ), TransUnion has no right to report false and damaging information without a valid permissible purpose. By continuing to report incorrect information despite my repeated disputes, TransUnion is knowingly violating federal law and making itself fully liable under 15 USC 1681n for willful violations and 15 USC 1681o for negligent violations. This is not just a minor mistakethis is clear proof of XXXX reckless disregard for my rights as a consumer. Its failure to act shows gross negligence, incompetence, and a complete lack of accountability. If TransUnion does not immediately delete this inaccurate information, I will escalate this matter to the fullest extent possible, including seeking legal action, damages, and regulatory enforcement. I refuse to tolerate XXXX blatant violations any longer!
Product: Payday loan, title loan, or personal loan

I took out a loan with this company and decided to consolidate it and worked with a company called XXXX XXXX XXXX. XXXX XXXX XXXX sent out cease and desist letters and negotiated on my behalf. Yet, this company is still contacting me and threatening to garnish my wages. I will include attachments that show that I paid the entire program with XXXX XXXX XXXX and I should not owe West Side Lending anything.
Product: Credit reporting or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Ratchford law group P.C. is harassing me for a debt I do not owe. Under my rights through The Fair Debt Collection Practices Act 15 usc section 1692c, I have sent them a " cease and desist '' letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681Section 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 without my written instructions XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX US DEPT ED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shock how poor attention and lack of investigation XXXX and Transunion has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX Account # XXXX The first error is the last verified date Transunion is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date Transunion is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status Transunion is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX XXXX has reported my account to the credit bureaus XXXX and EQUIFAX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously spoke with a representative from this company explaining to them that I had made changes to my account, and the representative failed to update the account correctly, causing it to appear as if I made a late payment. When I called and discussed this matter, I paid off the account, and the representative stated that the negative statement would be removed from my account since it was through no fault of my own. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX XXXX has also reported inconsistent and inaccurate information to XXXX and Equifax regarding this account. Specifically, the payment status states " Pays as Agreed '' on Equifax, while XXXX reports " Paid, was past-due 30 days ''. The date of last payment is reported as XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. XXXX has already taken action and removed the account from my credit profile due to the several inconsistencies and lack of evidence from the creditor. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Checking or savings account

We opened a non-profit savings and checking account with Bank of America at XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XX/XX/XXXX. We deposited {$200.00} in each account. However, starting in XX/XX/XXXX, the bank charged a {$5.00} monthly service fee to each account, causing the checking account to be wiped out and the savings account to only have {$20.00} left. On XX/XX/XXXX, {$5.00} was deducted from the savings account. Despite being a non-profit, we were informed by account representatives that the service fees were mandatory. We are filing a complaint to have the fees restored and the checking account refunded. In light of recent lawsuits filed by the US Department of Justice and Consumer Financial Protection Bureau, we feel our organization is being taken advantage of, similar to other Bank of America customers.
Product: Bank account or service

On XXXX XXXX, 2016 I notified U.S. Bank about fraudulent activity on my account which took place with a debit card. During the same phone call which I reported the fraudulent activity that U.S. Bank customer service representative who I was speaking with decided to put a restriction on my checking and savings account, this did not allow me to do any type of transactions. 

It was set to close within a certain amount of days. I was told that I will receive a provisional credit 10 days after I filed the dispute which the bank is required to do in accordance with federal regulations. I went into my local branch to withdraw my current balance and I was unable to make the withdraw until I closed my previous checking account with U.S. Bank. 

So in order to receive my current funds I closed my account and reopened a new checking account. I was told that the provisional funds that I was required to receive would be deposited into my new checking account which did not happen to date. 
I was notified that provisional funds were sent out to me on XXXX XXXX, 2016 but they did not go to my new account instead they attempted to deposit the money into my old checking account which I was forced to close. I have contacted US bank fraud department multiple times and an attempt to fix this issue so they make the deposit into the right account but they do not seem to be able to determine where the money was sent out to. I have been bounced around and spoke to multiple customer service representatives within the fraud department at U.S. Bank but I have been unable to get a resolution. 
I have been told that I would receive a paper check or that they will deposit the credit into my new account that neither of these appear to be true and correct statements. It has been 10 days since I made the report and I have yet to see a resolution of my claim or the provisional credit as required by my bank in order to comply with federal regulations. 
Routing Number ... XXXX
Product: Credit card or prepaid card

my wallet was lost and it looks like my card was used many times in XXXX XXXX, i informed chase bank, and the dispute was put through and later on the dispute was canceled. other cards of mine were also used and chase asked for me to send them the statements form other banks as well which i did, my other credit cards disputes were cleared but chase did not clear theirs
Product: Mortgage

I filed a complaint with the CPFB regarding a mortgage application with Chase. The company responded today. The letter is attached. The letter clearly states that if I withdraw my application I am not eligible for a refund. I have been pressured multiple times by XXXX XXXX XXXX and XXXX. XXXX XXXX to withdraw my application which would then make us ineligible for a refund. We are seeking a refund of our {$500.00} " Good Faith Funds ''. XXXX XXXXXXXX XXXX in multiple instances misled us, lied and fabricated information. He verbally told us our rate was locked and then subsequently told us it wasn't because of a Chase computer glitch. He then offered to call me everyday to review treasury market data to insure that we received the lowest rate possible. The rate later increase to 3.0 % from 2.625 %. We are seeking a refund of our " Good Faith Funds '' as a result of his fabrication and misleading statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from XXXX dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act.

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mobile park lot was denied from false allegations that was typed by XXXX that doesnt match on what it says on my transunion report. My credit score XXXX. and seem to not understand i was not approved. i am currently in the process of closing and this is the only thing that is holding me up. on their website XXXX. they suppose to support their XXXX XXXX as well stating thank you heroes. this is how they thank their XXXX XXXXr by denying me forgering a document to denied me entry onto the lot. i also have a XXXX son i want to give a good life for. that i also have written documents as well. they as in XXXX XXXX have said it was a background check that turned into a credit check denied ( which i have proof threw an email ) on the phone it have said to me and threw an email that was given to myself and to my union lawyer. false allegations just to deny their XXXX XXXX  is uncalled for and unfair. i have the document which states the false allegations towards myself in this compliant report attachment. see attachment. i have called the fraud department my reference # XXXX i have spoken to XXXX in the fraud department.
Product: Credit card or prepaid card

This involves Chase. My card were stolen, I reported this to Chase, local police and state AG office and elder abuse. I closed this account but they sent replacement cards. Fraudulent charges began XX/XX/XXXX ( I am hopefully attaching statements ). From that date XX/XX/XXXX until at least XXXX all charges were not mine. Chase said they investigated and that " the transactions are correct '' I have not received any documents from that investigation. I was XXXX in the hospital twice in XXXX and twice in XXXX returning home XX/XX/XXXX I could not have used the card while in the hospital. 
Chase maintains I owe XXXX all fraudulent. Payment history for years is on time and in full. 
From XX/XX/XXXX forward these charges are not mine ( except XXXX XXXX   my phone provider which is direct bill and cost less than XXXX per month times XXXX, XXXX, XXXX. 
Would like to resolve this I have spoken to a number of RepsXXXX and Managers ( most names I have ) and have spent hours trying to resolve this.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX 's XXXX since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report.

I reported the theft of my identity to the Federal Trade Commissions and I have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.