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

My fianc has an Apple Card and added me as an authorized user. Apple sent me a physical card and also created a virtual card in Apple Pay for me to use. The Apple Card does not have the card information printed on it - that information is stored in the virtual Apple Card in the iPhone wallet. I am unable to view the card information in the virtual wallet due to an error that Apple is aware of. I have communicated with Apple support over the last 3 months and no resolution has come for this issue. Therefore, Im unable to view or know my Apple card #, expiration date and CVV. Im unable to use the card to make online purchases or any purchases requiring that information. I have communicated with Apple support over chat, over the phone, sent diagnostic reports to support and allowed them to remote into my phone to investigate and to take screen recordings. There has been no communication to me with an ETA on when this issue will be resolved. I need to be able to view and access this information in order to have full use of the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX received payment in full for {$540.00}, XXXX XXXX XXXX has no right to attempt to collect it again ; and your verification method is in error ... I contacted original creditor and was told that they did not verify this paid debt as being owed to anyone ... and they said you are probably using e-oscar which often report false or settled accounts ... litigation will follow, if it isn't corrected ... F.C.R.A. law has been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is not reporting accurate information. If Chase was reporting accurately, my reports between XXXX, XXXX, XXXX, XXXX  would all be IDENTICAL. I have disputed 3 or 4 times with XXXX and they do nothing. I have disputed with the other 3 credit bureaus and they do NOTHING. I have disputed with Chase several times and they do NOTHING. I have file complaints with CFPB and YOU DO NOTHING TOO. 

Attached is the XXXX payment history. Please explain in DETAIL the below FACTS. 
XXXX, XX/XX/XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. INCLUDING XXXX of XXXX has a different payment report than XXXX, XXXX, XXXX, and XXXX. How does Chase report XXXX of XXXX different to 4 credit bureaus? How does Chase say they are correctly reporting, after probably over 20+ disputes with every credit bureau and through Chase directly, if they have 4 different reporting for 1 MONTH. HOW IS THIS POSSIBLE? 

XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau, and XX/XX/XXXX is different than 2 others. 

How is the Account Status 30 days past due when I do not have an account with Chase? The other 3 credit bureaus are reporting account status CLOSED. 
How is it past due when there are 2 other credit bureaus reporting payment was made in XXXX? 
How was last payment made on XX/XX/XXXX when there are 2 other credit bureaus saying I made payment in XXXX? 

DELETE THE ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a request was made in writing to GLA collections XXXX XXXX XXXX XXXX Ky. XXXX ( XXXX ) XXXX in reference to ( 2 ) accounts that they were reporting to my credit report. The request was for documentation proving the account was mine and to let me get with my insurance provider to make sure this was not an oversight. I did not recieve the information as requested in the 30 days allowed by the FCRA. I contacted them in XX/XX/XXXX and they did not get the information out. So, I contacted them on XX/XX/XXXX and was told they could not and would not speak to me about this account. until the cease and desist was removed. The cease and desist was on all collection calls not the sending of the verification of debt which they failed to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}.

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt.

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.
Product: Checking or savings account

On the night of XX/XX/2021, I received an email from Wells Fargo bank at XXXX stating that an ATM transaction from my account for {$2000.00} was declined which was a fraudulent transaction. I was asleep at this time, but when I checked my emails in the morning and saw this I checked my account balance also and realized {$1000.00} dollars was already taken from my account as well from the same ATM location fraudulently. I immediately went to my purse and I saw that I was NOT in possession of my card so I called Wells Fargo on the same day ( XX/XX/XXXX ) around XXXX and spoke to a woman and requested to stop the card and sent me a new one and I also made a statement for the fraudulent transaction. I have email confirmation for my " turn off request '' for my card which I received at XXXX and I also received a claim number for this incident just off of the phone call but no one ever reached back out to me to send claim forms or anything else regarding my situation and after days of not hearing from Wells Fargo I already received my new card and then slightly after on XX/XX/XXXX the company closed out my claim case and told me to call if I had any questions. My new card was shipped to me XX/XX/XXXX which I also have the confirmation email also. On XX/XX/XXXX when my claimed was closed I reached out again to the company and they said since I was in possession of my card that they couldn't do anything to help me, but I WAS NOT in possession of my card which was the reason I requested the turn off of my card and the request of my new card. I asked them to reopen the claim and they said they would get back to me but never did and I NEVER received any emails, calls, or mail from them about follow up information.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO XXXX XXXX HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU EXSPERIAN WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER
Product: Debt collection

On XX/XX/year>, I sent off certified mail to National Credit System, requesting validation of an alleged car loan debt they claim I owe. The letter was sent in accordance with my rights under the Fair DEBT Collection Practices Act ( FDCPA ) and was delivered, as confirmed by tracking. 

As of today, more than 30 days later, I have not received a response. Despite this, the company has not ceased collection efforts, which is a violation of the FDCPA. I believe this lack of response is non-compliant with their legal obligation to validate the debt before pursuing further collection actions. 

I request that the CFPB investigate this matter and ensure that the XXXX XXXX XXXX either validates the debt or ceases collection efforts immediately. Additionally, I request that this alleged debt, if unverifiable, be removed from my credit report to prevent further harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : XXXX. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. XXXX. A copy of my Identity Theft Report and proof of my identity. XXXX. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within XXXX business days, as well as in accordance with the provisions of the FCRA. 

The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have had excellent repayment status on all of my credit reports for Nelnet and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from Nelnet and most notably the Department of Education. I have many examples from my XXXX  credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! Nelnet and Department of Education are not immune to Fair Credit! XXXX is just as guilty for allowing their illegal practices to continue.
Product: Mortgage

In XXXX I take out this Mortgage loan from XXXX they are nice ones you are taking out the loan with them but if you want to make any changes like remove someone from your mortgage, they are difficult dragging on for months with no communication. They might think I am writing this because I am angry or making trouble, but Im not making any trouble. I just want to remove someone from my mortgage plain an simple. I sent an email. I will provide the pictures of who I was talking to my email. Ignore me like they want me to go and do a refinance. Thats all them r telling people to do I prefer to File bankruptcy then do a refinance and get 7 % interest rate ok
Product: Credit card

XXXX XXXX I had this credit card account subjected to a forensic audit to assess potential violations of securities laws, and during the review, I discovered that a CUSIP was attached to the account, indicating that it had been securitized. Upon further investigation into your filings with the U.S. Securities and Exchange Commission ( SEC ), I found that your company is prohibited from trading these accounts on the secondary market under Rule 10b-5 of the Securities Exchange Act of 1934, which specifically prohibits the misrepresentation or omission of material facts in connection with the purchase or sale of securities. The presence of this XXXX  attached to my account directly points to an illegal assignment and misrepresentation of the transaction.

Not only does this breach your filing and disclosure obligations under the Securities Act of 1933 and Securities Exchange Act of 1934, but I also discovered that the company failed to return a negotiable instrument that I tendered as payment for the account. When I provided the negotiable instrument, the company accepted it but refused to apply it as payment, insisting that only USD could be accepted. This is a violation of the Uniform Commercial Code ( UCC ), which governs negotiable instruments and requires that they be honored as payment if they are properly tendered. The companys refusal to accept the negotiable instrument and insistence on only USD is a breach of contract and shows bad faith. 
Additionally, I have an expert witness prepared to testify that this credit card account is unenforceable due to the improper transfer of the account. The required documentation, including the original credit card agreement and proof of the assignment, has not been provided, making the transfer incomplete and in violation of UCC 9-203. Without the necessary documentation, the assignment is invalid under UCC 9-308 and UCC 9-406 , rendering the account unenforceable under applicable law. 
Therefore, I assert that the actions taken by your company in securitizing and transferring this account, without providing the proper legal documentation or disclosure, not only violate securities laws but also constitute fraudulent conveyance and a breach of fiduciary duty under state contract laws. Furthermore, the improper handling of the negotiable instrument amplifies the violations. These actions expose the company to potential liability for fraud and failure to comply with both contractual and statutory obligations.
Product: Credit reporting

Per my previous complaint filed with the CFPB - # XXXX ( XXXX ), Transunion recognized their error and vowed to remove inquiries that were placed on my report without merit due to a glitch. 
I have received my credit report in the mail from Transunion. 
On page 6 of my report, I still see inquiries that were not removed, but promised to be removed by Transunion. 
Let me clearly state this again ( as I did in the first complaint ). 
The ONLY inquiry that should be on there as of today ( XXXX/XXXX/2016 ) : -- XXXX XXXX ( XXXX/XXXX/2016 ) As Transunion stated clearly in the above referenced CFPB complaint they would remove them all, I expect Transunion to follow through. 
Please remove any and all inquiries EXCEPT for the XXXX XXXX entry on XX/XX/XXXX ( that means remove the other XXXX dates ). 
I have again attached my identification to expedite the removal.
Product: Credit card or prepaid card

Over four months ago, I contacted Chase Bank regarding two credit card accounts that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain 1099Cs for discharged of his alleged debts so that I could file his final tax returns for XXXX. Chase Bank was kind enough to do this and they forwarded three 1099Cs which I used to file my brothers taxes. ( copy attached ) Unfortunately Chase Bank continues to report on my brothers credit reports that he still owes them on these two accounts even though they clearly have discharged them. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Chase Bank is still in the position to either attempt to collect or sell off these debts to a third party as long as they are reporting these accounts to the credit agencies and while these accounts appears on his credit reports. While I do not think that this a malicious act by Chase Bank nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Chase Bank on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Chase Bank and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a manager in the Credit Bureau Escalation Department, who told be that while company policy is not to pursue these types of debt, he could not issue a written pledge to back that up. He guessed that the IRS would direct them to remove the account once the 1099Cs went through the system. When I told him it was his company reporting these debts and they could simply stop reporting them, he seemed befuddled and had no answer. As of today these accounts are still being reported to the credit reporting agencies despite what Chase Bank is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report these closed and discharged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to purchase a house this year. I am a married father of XXXX. I noticed an inaccuracy on my account. I reached out to the courthouse and was asked if it was possible that the mistake could have happened on their end. I was alerted that they do not report to bureaus and that a person 's social was never shared. I then attempted to reach the bureau by phone, but to no avail. XX/XX/2021, I proceeded to mail a letter demanding to see verifiable proof as stated by the FCRA. I included the correspondence from the courthouse. They were shipped certified mail. I waited 30 days and sent a follow up. Almost 60 days later, I have yet to hear from them. I feel like my rights are being violated. I just want to be able to provide a decent home for my family and their errors are making it difficult. They are picking on the little guy.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, XXXX conducted a credit pull that I did not authorize, as it was intended to be a soft inquiry. I kindly request the immediate removal of both inquiries from my credit report. Thank you for your attention to this urgent matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

MOHELA sent me a notification on XX/XX/XXXX that interest was resuming on my student loans on XX/XX/XXXX. This seems like an interest accrual grab by MOHELA for not warning me in advance of an important date. I could find no previous notification of this by MOHELA in my inbox.
Product: Debt collection

I received a letter from Eastern Account Systems , Inc. indicating that I owe a remaining balance from a cable provider known as XXXX. I do not believe the debt to be accurate and I requested proof that I owe this debt. No proof was provided ; however, the aforementioned debt collection agency reported the debt to XXXX or more of the credit reporting agencies and my credit credit Score dropped from XXXX down to XXXX. I have never incurred a debt that I have not paid off within agreed terms for anytime in my entire adult life. 

I sent a letter asking the aforementioned debt collection agency to remove the inaccurate claim of owing the debt several months ago. They never responded or removed the charge against my excellent credit standing.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I want to bring to your attention a discrepancy in a charged off car loan account XXXX. My name is XXXX XXXX XXXX, and I am concerned about a reported late or missed payment. Pursuant to my rights under 15 USC 1681E ( b ), I request a prompt investigation into this matter.

I also kindly urge you to rectify the reported late or missed payment on my account. It is crucial for my credit history and financial standing that accurate information is reflected in my records, as this incorrect information is currently defaming my character. This matter has recently caused me mental anguish, as well as embarrassment because I was denied credit on multiple occasions because of this matter at hand.

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( B ) provides for all extensions of credit which were derived from a credit card to be excluded from consumer reports. Credit card as defined in 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This means you broke federal law knowingly and willfully, which makes you liable under 15 USC 1681n, which carries penalties of {$1000.00} per violation.

I appreciate your prompt attention to this matter and expect a resolution that involves the removal of any erroneous late or missed payments from my account and all 3 agencies. Please acknowledge receipt of this dispute letter, and initiate the necessary investigation per the provisions of 15 USC 1681E ( b ), and resolve this matter amicably according to the FCRA. 


Unless you can prove to me that this reporting is lawful you agree to : Remove the late or missed payment indefinitely XXXX out the balance of the account indefinitely Keep the age of the account indefinitely Change the account status to open indefinitely Change the payment status to current indefinitely Delete the repossession remark indefinitely Thank you for your understanding and cooperation. 


Sincerely, XXXX XXXX