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

My AppleCard is shared with my child via Apple Family Sharing. It is all above board and has been charging on it for a while. Child needed a XXXX XXXX appt on XX/XX/XXXX for travel and tried to pay online with Applecard for the appt. It was declined and we verified it immediately as a genuine charge. Tried a few times, ea time got declined. I used my XXXX to reach out to Applecard and ask what was going on. They never provided an answer, never got back to me. I am fully paid up, I usually pay this card balance off at least twice a month because it's on my XXXX, I see a balance and just pay it all the time. I have an excellent credit rating. 

My adult child has since left for XXXX XXXX on XX/XX/XXXX, they used the Applecard successfully in XXXX. I thought I'd better inform AppleCard that the user was traveling : a travel notice. I did that at XX/XX/XXXX at XXXX and the AppleCard responder ( everything is done via imessage ) was affirmative that everything was fine. By XX/XX/XXXX XXXX, Goldman Sachs Applecard was calling me at work that they'd locked my card. I was working and couldn't answer " safety questions '' while working, they caught me off guard. I asked them to call me back later. At my break XXXX, I messaged AppleCard and gave them a call back time when they asked of XXXX. Waited until XXXX, messaged them again. They could not help me, telling me that a " specialist '' would contact me. 

I now have my family member in XXXX XXXX at this point, with no functioning AppleCard. I have no functioning Apple card. Goldman Sachs won't treat me like a human and actually deal with this. I've done nothing wrong, I'm a verified user, my family member is verified in Family Sharing. I've read since that AppleCard can lock up users Apple IDs capriciously. I can not access the AppleCard statements which are all on the iphone wallet, the lock takes away all access. I am blinded to what possible issue might be going on - the area is now blank. 

Have you helped in these types of cases, and what advice can you give me? AppleCard Goldman Sachs isn't treating me like a human. AppleCard and Goldman Sachs have unsupportive behaviours and put their customers in jeopardy. The AppleCard isn't physical for my traveling family member, it's all on the iphone in they're hand - no one can steal their number or card. I gave AppleCard a travel notice. What possible fraud can they be so concerned about that they refuse to clarify with me? What more can I do? They refuse to talk to me. Please help me get an answer from this company and re-assurance that they're not going to affect my credit rating.
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX  I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, Equifax and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. 
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 I have attached the letter that was sent to each bureau as well the certified receipts
Product: Vehicle loan or lease

Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : LITHIA/DRIVEWAY FINANC, Act Number : SD8837, Act Name : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX, Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : AUTO/VEHICLE Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

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

MOHELA with its name change to Missouri Higher Education Loan Authority has reported on my credit as a new account. I have no new account with the company at all. They dropped all of my credit scores at each bureau by at least XXXX points. It closed the MOHELA accounts that are at a {$0.00} balance through loan forgiveness as of last year. I do NOT have a new account with this company and they have fraudulently put this on my credit as a new account!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I sent a letter to Equifax and XXXX XXXX ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 :
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

Explanation of complaint : I tried to modify this loan XX/XX/XXXX through the National Mortgage Settlement XX/XX/XXXX. It was a XXXX mortgage. I was newly divorced and just coming off XXXX treatments and really needed the modification to keep paying on the loan. After much due diligence they told me I did n't qualify. They said I didnt make enough money. I tried again after calling the National Mortgage XXXX people and they said I should qualify. But was told once again by Citimortgage that I did NOT qualify. So at this time I could no longer keep up with the payments and just stopped paying temporarily .... just for a breather. ANd really was struggling financially. At this time I was upside down with the XXXX. and the XXXX. 
Sometime XX/XX/XXXX I called the automated service and it said the account was PAID IN FULL on XXXX XXXX XXXX. I thought maybe the loan had been forgiven since I had NOT heard anything from them and had NOT recieved any mail from them. Also I knew that they were at this time forgiving loans so thought maybe I was one of them. Later in the year I called and spoke to someone who said it is possible the loan was forgiven and I should keep my eyes open for a forgiveness letter. I know they record these conversations so they would have this on their transcripts Im sure. I then started getting emails saying they had tried to send me something thru the US Postal service but was being returned to them. I called about this and the girl I spoke with said the account was closed so this was probably just an automatic email and just disregard it. Again ... ... this would be recorded. So it is now XX/XX/XXXX and was hoping to get a Harp refinance on my XXXX. and find out the Citibank has a lein on my home. It has been three years and I have not heard a word from them and I have been accruing penalties and interest this whole time. 
My fear is that they will forclose on my home. My business has suffered from the economy and I cant work as hard as I once did due to not having the stamina from having XXXX. I would like to know why their system says the loan was PAID IN FULL and why I didnt hear from anybody for over 3 years. It just doesnt seem fair. Because I thought this loan was forgivin and I never heard from anyone for over 3 yrs. I dont think its fair that I should now be in a collection dept. and afraid the may foreclose on my house. 
I dont want to lose my house. 
Thank you, XXXX XXXX
Product: Checking or savings account

Someone posed as my banks fraudulent department after I had opened disputes of unauthorized charges on my account. Someone stole money from my account. Some how they had my username and password and the bank XXXX Current XXXX, allowed them to transfer money from my bank account to another bank account under them as well after seeing that someone logged into my account from a different device which I received the emails and they still let it happen. I would never use a different device to log into my banking app and to resolve the issue they want to take 10-90 days to resolve the issue and I was left with no money at all, not for food, gas to get to work they didnt care to resolve my issue fast enough. They sent me a new debit card I havent even received yet I dont even know the card number for the new card and someone tried using it already they dont have my account protected and they cant protect my funded if its that easy to get into and steal my money.
Product: Credit reporting

Not getting results from CB directly after mailing letters and sending faxes. These inquiries are not authorized and I 'm asking for removal from Experian report. 
1 ) XXXX Bank XX/XX/2016 2 ) XXXX XX/XX/2016 3 ) XXXX XX/XX/2016 4 ) XXXX XXXX/XXXX/16 5 ) XXXX XX/XX/2016 6 ) XXXX XX/XX/2016 7 ) XXXX XX/XX/2016
Product: Credit card or prepaid card

Capital One violated my rights by closing my two accounts under the Uniform Commercial Code ( UCC ) adopted in every state. This is " colorable law '', used in all of the courts of the nation. By closing my accounts Capital One as violated numerous statues UCC 3-104, 3-603, 3-419, 1-308 and HJR 192. 
Since 1933 when the government went bankrupt " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' Since there is no lawful money, the government gave me the benefits to discharge debt. Under UCC 1-308, I reserve my rights, without prejudice. My prepaid coupon presentment is a negotiable instrument.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute regarding collection accounts to Experian,XX/XX/XXXX and the XX/XX/XXXX credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.
Product: Credit reporting or other personal consumer reports

Nissan Motor Acceptance has been reporting incorrect standing on the account. This eventually led to a wrongful repossession, Ive been trying to find out further information about it and the account status but was told I do not have rights to these items as the co-owner. Nissan stated that the account has not been paid in months, yet it has and they were unable to provide all previous payments.
Product: Credit reporting or other personal consumer reports

The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. Based on the 15 U.S. Code 1681a- Definitions ; Rules Of Construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you can see, the transaction history being reported in my credit report on this account is excluded. If transactions are excluded from my report, that means a late payment can not exist because that is part of the transaction. By law thi is being reported unlawfully and fraudulently. Therefore, this late payment must be removed from my report as this is in complete violation of my rights as a consumer under 15 U.S. Code 1681a. 

LATE PAYMENT CREDITORS : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX XXXX XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ). 



Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX XXXX 



Thank you for your attention to this matter.