23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was called today by Apple XXXX regarding an issue on my account. I told them that I do not have an account, and I have no idea what they are talking about. They then said that this is in regards to an online chat from XXXX regarding a purchase XXXX days ago using an Apple XXXX. I told them I do not have no have I ever had an Apple XXXX. Clearly someone has compromised my information to open the card and make purchases. The XXXX account tied to the credit card is under my name, but I have no access to it, and the primary email address does not belong to me. 

They told me that the credit card was opened in XXXX XXXX XXXX, and several purchases were made, with the products being either gift cards, or shipped to XXXX XXXX. 

Apple has then told me that I need to contact the police department in XXXX XXXX to open an investigation into how my information was compromised in order for them to shut down this account. I don't understand how this is a feasible resolution. 

None of this credit card activity has shown up on my XXXX, XXXX, or XXXX reports. Apple is now threatening me that the balance will go to collections, which will adversely affect me. 

Considering Apple failed to properly verify the identity of the person in XXXX who stole my identity, and they have the transaction records regarding opening the account, I don't understand how it is my burden to resolve this matter. Further, Apple is in the first position to investigate this issue, but is refusing to do so. They are also requiring me to use their XXXX speaking customer support only to further deal with the matter, even though their team is based in the XXXX. 

Considering that my email address is not associated with an apple account, how was I even to know an account was opened in my name, let alone in another country? Am I to inquire with every company that issues a credit card in every country in the world? I'm just asking for Apple to shut down the account and to do their own due diligence. 

The matter with Apple is case XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Hey, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred:1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 
5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Vehicle loan or lease

They sold me a lemon as a car. No power steering. I offered to pay half of the costs and they gave me the run around
Product: Debt collection

I received a debt collection harassments notice from some company called CACI. This is an ongoing problem from 2019 when my identity was compromised. They purported debt in question does not belong to me and it keeps going to debt collection agency to debt collection agency. This is not my debt and I've disputed it time and again with different companies, this one is just the latest.
Product: Checking or savings account

On XX/XX/22, I opened a checking account at U.S. Bank. For the first couple of months, my maintenance fee was waived in accordance with my account agreement ; however, on XX/XX/22, I was charged a maintenance fee that was not waived, but received no notification. U.S. Bank continued to charge me a maintenance fee despite never notifying me that it would no longer be waived. In total, the fees amounted to {$76.00} over the past year.
Product: Credit card

I am writing in today in regards to the following account Barclays Bank account # XXXXThe issue with the account is that I scheduled to make a payment on this account and the system selected the wrong account to withdraw the funds I was unaware of this issue since I had left the XX/XX/XXXXfor a several weeks. But once I was made aware that an issue had occurred I quickly got this account back in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing this because I have been having an issue with this creditor, I have been disputing this account since XX/XX/2021. The agency has yet to respond. This account is reporting inaccurately across all 3 credit bureuas and that is a violation of the FCRA. There is a list of errors from this account including, high balance, date of last activity, last payment date, and a few other errors. According to the FCRA everything reporting on my credit report must be identical and this is not. Please assist me with the removal of this erroneous information on my credit report.
Product: Credit card

XXXX XXXX  Sold my debt to UHG LLC company and now UHG LLC threatened to file Lawsuit against me and garnish what I have
Product: Credit reporting or other personal consumer reports

Attached is a complaint with the XXXX XXXX XXXX illustrating the company " XXXX XXXX XXXX '' aka XXXX XXXX  ( XXXX ) admitting to several counts of fraud including illegally using my information to open a credit account and sending my personal information to third party affiliates. This complaint is being filed in a string of complaints to " XXXX '' and " XXXX '' for inadequate investigating processes which have concluded this fraud account as " VERIFIED ''. All parties are in violation of : 15 U.S. Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law XXXX has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed below must be DELETED.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX  I submitted a dispute to XXXX regarding the account XXXX with MIDLAND CREDIT MANAGEMENT in regards to the validation of this debt on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number generated with this dispute which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I know my security freeze pin ; but I cant get in touch with experian! My calls are being rerouted. Please help me Ive been trying to get this straight for 4 months now
Product: Mortgage

On XXXX Wife and I received a letter from our Mortgage Lender ( Carrington Mortgage ). This letter stated that in my wife`s claim they received from her on XXXX regarding her identity was stolen, It states they take any allegations of Identity theft very seriously in conjunction with the origination of our loan .Goes on to advise us that the above for mentioned our loan has been placed in dispute with the 3 credit bureau`s as they correspond with them. Carrington state for them to continue their Investigation the following is required to submit to them within 30 days of letter. Copies of picture ID social security card. Proof of residency during time of said alleged Identity theft occurred.

A complete fully executed Identity theft Affidavit of her allegations and anything else she believes might reflect the unauthorized signature and have notarized. A complete. Fully executed Denial of financial responsibility declaration and notarized. Police report filed. 
A Formal report to the Federal Trade Commission. My wife contacted them XXXX spoke to XXXX and said how weird this was as she explained she didn't write a letter or notify Carrington or anyone else regarding her Identity taken. Wife never had Identity taken or used XXXX suggests that she write a letter their research department and request a copy of letter they receive alleging the Identity theft. Wife completed letter same day and faxed to Carrington mortgage. I also contacted Carrington because i wanted to know who authorized an investigation and reporting to the credit bureausand who filed the dispute. Customer service advised after she spoke to the escalation team that it wasnt my wife who notified them it was the Credit Bureau`s and they said to write a letter and ask for this investigation to be closed due to wife`s identity was not stolen or used and she never contacted Carrington as it stated she did in their letter. Customer service also said that the escalaton team would start the cancellation of their Investation. I said no I wan na know who started this who authorized this and wife nd I we never notifed first. Customer service then advised after speaking to escalation team that Carrington did`nt start the investigation or disputed our loan it was Credit Bureau . I asked which Credit Bureau and Customer service said she doesn`t know which Bureau. This is the second time I have contacted CFPB regarding this Mortgage company along with FHA/HUD , .Attorney General 's office, Consumer banking and financial, Senator office, Govenor`s office, FTC, Antitrust, House and senate committee . This is the second time I have to file a complaint against Carrington for their deceitful, harassment discrimination, feeling signaled out, constant worries of loosing of home. They cost me loss of refinancing with another lender in XX/XX/2021 due to deceitful falsification reporting to credit bureau`s.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is reporting several accounts late that were included in my cXXXX XXXX  bankruptcy. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX XXXX All reporting incorrectly Duplicating account information like is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.
Product: Mortgage

Chase transferred my account to XXXX XXXX XXXX during the loan modification process. In light of this transfer, I am requesting a " goodwill '' adjustment on the reporting of this account to the XXXX credit bureaus and removal of all late reporting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date.

System Error : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

CFPB : I would like an inquiry in the handling of wife XXXX XXXX XXXX joint checking account with daughter XXXX XXXX by SunTrust Bank for refusing to release funds and information on XXXX XXXX  portion of account. 

I recently try to close out her account because she is now decease and she had funds with daughter in account since I have been unable to reach her concerning matter. 

I tried to contact bank myself. 

The bank manager was contact to assure account was froze and didn't compile and 800 number is non accessible. 

so we will like file investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global is reporting 2 fraudulent accounts on my credit. I didnt open these accounts nor did I utilize them. Someone used my info to open and use these accounts. Please see the attached FTC report and my driver license. please remove these accounts from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Product: Credit card or prepaid card

I purchased an item from XXXX and did not receive it on time. After waiting a week to receive it, I contacted XXXX who told me to contact my financial institution which I did and an investigation from Apple was performed and they denied my dispute. I ended up receiving the package the next week. I ended up not liking the shoes and returned them to XXXX who then proceeded to refund me. But I waited for a while and the refund did not hit my card. I then contacted Apple Card who then put in a dispute and then they continue to deny my dispute even with my proof. It appears that they are not looking into the evidence provided but are just siding with XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 i requested for a replacement the representative i spoke with promised the card was going to come my address which i expected but never received please let bank of America kindly do something about it in order for me to receive my debit card
Product: Credit card or prepaid card

I called XXXX XXXX and Spoke to XXXX at about XXXX on XX/XX/2021. Their system states the calls are recorded. I let XXXX know that the call was recorded on my end since I was at work. 

XXXX refused to assist me saying that their compay policy does not allow call recording. I stated that they are recording and they can not give themselves a right that they deny me first. Second, Federal law allows one part recording without the other parties knowledge. Thirdly Federal law requires the credit company to allow me dispute the charge. 

XXXX spoke with a supervisor, who she would not name and refused to assist me and disconnected the call.
Product: Checking or savings account

I have a dispute with Huntington Bank from XX/XX/2024, at XXXX. I have photo evidence of the screen when the atm kept over {$800.00} of mine. They said that my investigation ended and they had no record of my money. I have banked here @ Huntington Bank for over 15 years. Please help me get my money back. I have a picture of the screen saying it took my money back in and it froze after that. I have a picture of the call I placed to Huntington right as the problem was happening. Thank you
Product: Bank account or service

In XX/XX/<YYYY>, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I opened the account and confirmed over the phone that I was eligible for the bonus. After that, I checked in on XXXX/XXXX/16 and to make sure the promotional code was indeed associated with my account. I was told that it was and that I had fulfilled the requirements and thus, I would get the bonus. ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ' attachments. ) During that conversation I was told that the XXXX bonus miles would post to my account no later than XXXX/XXXX/2016. They did not. I then contacted Citi again on XX/XX/XXXX and the agent verified that I should 've received the miles on XX/XX/XXXX, but I did not ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). He opened an investigation and told me I would receive an answer in 1-2 business days. I did not. I contacted chat again on XX/XX/XXXX and was told I 'd receive an answer by XXXX ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). I did not. By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!
Product: Credit reporting or other personal consumer reports

Experian.com sent me an alert for a change in my credit report. I tried to log in and was unable to log in. 

The website sent me to forgot my password which I filled in the required information and never received the security code via way of text or phone call. 

I called Experian 's phone number and the system just kept saying " sorry '' and would not allow me access to my credit report. I was unable to get a hold of anyone to help me gain access to my credit report.