23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got an Apple Credit Card and an Apple Savings Account on XX/XX/XXXX. Over the next few days I transferred my savings from my XXXX XXXX to the Apple Savings account and started using the new Apple Card for some minor purchases together with a larger purchase of flights to XXXX for myself and my family. 

On XX/XX/XXXX I was notified that my Apple Credit Card had been locked pending investigations. Shortly after my Apple Savings Account was also locked. I try reaching out to the Apple ( XXXX XXXX ) support to find out why my accounts have been locked and try to find ways to accelerate getting them unlocked. They are unwilling to tell me why this is happening and say that it will take 1-3 business days to get it resolved. All I should do is to be ready for them to call me. I ask if we can schedule a time to talk or for me to go to a physical office to resolve the issue. The are unable to accommodate any of that. I also get the impression that if I'm unable to answer the phone when they call this may get extended further. 

On XX/XX/XXXX ( day XXXX ) I reach out again. At this point they go on to tell me that the standard handling time is 5-7 business days and that I need to continue waiting for them to get in touch.

This handling is simply unacceptable to me. Their locking down me economically and keeping me completely in the dark doesn't instill a sense of confidence in their institution. Just imagine this happening when you are out traveling or if this was your only card and you had a family to feed and take care of.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

On XX/XX/2019 I called USAA to close my credit card account. I had a bill for the annual fee of {$35.00}. I was told they could not waive the fee even though I was closing the account " due to Federal regulations '' the fee was out of their control. I was closing the account the fee was for the year coming not the year past, so how can you not waive it as I was closing the account. They claimed it was for their services, what services if I was closing the account? I spoke with 2 different people and they both claimed that due to " federal regulations '' they could not waive the fee. They essentially charged me for services that I did not receive. Is this correct and legal?
Product: Debt collection

Cease and Desist Harassment and Dispute of Account Dear Spring Oaks Capital , LLC, I am writing to dispute the validity of the account referenced below and to demand an immediate cessation of all harassment related to this matter. 

XXXX XXXX : XXXX Bank XXXX Account XXXX. : XXXX Current Creditor : Spring Oaks Capital SPV , LLC Reference No. : XXXX Balance : {$3400.00} I contest the validity of this debt for the following reasons : 1. Lack of Notification : I have not received any prior notification regarding the transfer or sale of this debt from XXXXXXXX XXXX to Spring Oaks Capital SPV , LLC. According to legal requirements, creditors must provide written notice to the debtor before transferring or selling the debt to a third-party collection agency. The absence of such notification constitutes a violation of my rights. 

XXXX. Harassment : I have been subject to relentless and harassing communications from your organization regarding this debt. Despite my requests for validation of the debt and verification of your authority to collect, these communications have persisted, causing significant distress and harassment. 

XXXX. Request for Removal : I demand the immediate removal of this account from my credit report. Due to the lack of proper notification and the harassing nature of the communications, I assert my right to have this account deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

In light of the above, I demand that all communications regarding this debt cease immediately. Furthermore, I request that Spring Oaks Capital , LLC take immediate action to investigate and rectify the violations outlined herein, including the removal of the account from my credit report. 

Please be advised that any further attempts to collect on this disputed debt or any continuation of harassing communications will be met with appropriate legal action.
Product: Credit card or prepaid card

During Black Friday event I called macys to place an order for earrings I liked. During the call, I was offered to apply for a credit card with macys and get additional 20 % off. I agreed, applied for the card, was approved and submitted the order. I received a confirmation number and was assured that the order was placed. A week later I called back to check on the status of my order because I did not receive any emails or notifications about my order. I was informed that additional verification is needed. Completed the verification again ( same verification as when I placed the order a week earlier ) and was informed that the item is no longer available. After more than an hour of poor service and being hung up, I closed the card I just opened, because I could not get the item I purchased. I was also told I cant get the credit inquiry removed, because I agreed to it. The truth is, I only agreed to open this card for this specific order and to get the discount that I will never receive. The marketing of macys was misleading, which resulted in opening this unwanted account. Order number XXXX
Product: Student loan

I am hoping you can assist me with this issue I am facing with MOHELA. Please see the complaint I submitted to MOHELA in detail below. I have kept record of my complaints and the processing errors, delays, and communication issues with MOHELA. I would like to request support in getting this interest removed. Please advise. 

As of today XX/XX/XXXX I have been once again placed on administrative forbearance despite qualifying and being enrolled previously for the SAVE plan and I never requested this action on my account. The SAVE plan does not accrued interest in the way administrative forbearance does. This is the 5th time MOHELA has placed me on administrative forbearance forcefully, allowing accrual of interest on my account that should absolutely NOT be occuring. I once again, for the 4th time, am claiming in writing my right to have this undue interest accrued removed from my account for all periods of administrative forbearance that I was placed on and forced to have despite qualifying for and having IDR applications approved, including the SAVE plan, since XX/XX/XXXX. Interest from all of these periods of administrative forbearance that have led to thousands of dollars ( nearly XXXX ) worth of accrual of interest on my account since XX/XX/XXXX ( over a year ago! ) needs to be removed. This interest was accrued due to MOHELA processing delays and errors, many of which continue to this day despite my continuous efforts to call MOHELA, and my speaking to representatives on the phone only to be hung up on and continuously given conflicting and even false information. I have contacted MOHELA via the online portal as well as by phone 20 times since this time last year with no resolution.

As I have noted in my previous messages to MOHELA, many of which have never been responded to, I will be submitting this information as a complaint to the CFPB, studentaid.gov, my ombudsman and congressman and plan to join a class action lawsuit regarding these predatory practices when one is opened if MOHELA continues to neglect to resolve these issues with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of validation and details on how your investigation of my consumer report was conducted for my dispute initiated on XX/XX/ and the subsequent response received on XX/XX/XXXXAccording to the FCRA the only way to legally investigate and validate information in a consumer report is to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer or from any consumer reporting agency when the information was obtained directly from a creditor of the consumer. 
If you followed the law and completed a full, legal, and proper investigation as mentioned above, please send me the names, addresses, phone numbers and documentatation used from each friend, neighbor or associate that you interviewed within 15 days. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D I have the right to request this information. If you can not provide ALL of the requested information within the legally allowed time line, I demand that you honor my dispute request listed below for each item.
Product: Debt collection

Flagstar Bank gave me a HELOC which I paid down. I got calls from collections for an amount that a $ XXXX payoff didnt cover ( {$500.00} ). Collections couldnt handle the full payment so transferred me to a different department which took the payment. I paid it in full from a XXXX XXXX account and 8 days later collections called again. Collections again said they had no transaction history ( departments must not share info ). Turns out they put the money toward my mortgage account. The collection practices are terrible. I also took a forbearance that they offered after XXXX XXXX and they bombarded me daily with collections calls. I paid the loan to stop the constant calls and mailings. Offering forbearance only to bombard and humiliate a customer is a terrible practice then to mistake a payment and harass a customer again shows bad practices.
Product: Debt collection

On XXXX XXXX I got a copy of my credit report and noticed over XXXX collection accounts that I had no knowledge of. I reached out to the credit bureaus to help me investigate these items. I have gotten no response from neither the credit bureaus or the original creditors. Most of these items are duplicates and have not been verified by anybody. The amount of damage this is causing me is tremendous and I will be reaching out to the states attorney to help me as well with this on going investigation because These items should not be on my credit report. XXXXXXXX XXXX XXXX and XXXX XXXX XXXX collections
Product: Credit reporting, credit repair services, or other personal consumer reports

They have harrassed me numerous times and violated my consumer rights under 15 USC 1666b
Product: Debt collection

XX/XX/2019 {$220.00} reported fraudulent account due to identity
Product: Credit reporting

XXXX IS SHOWING ON MY CREDIT REPORT AT A CREDIT CARD WITH A LIMIT OF {$1300.00}. I HAVE NEVER GIVEN THEM PERMISSION TO ACCESS MY CREDIT TO MY KNOWLEDGE. I WAD DECEIVED INTO ALLOWING THIS COMPANY THAT I THOUGTHT WAS AN ACTUAL STUDENT LOAN COMPANY CHARGE ME {$1300.00}. APPARENTLY XXXX USES XXXX TO RECEIVE PAYMENTS ON THE COMPANY BEHALF. ACCORDING TO XXXX THEY LOANED ME {$1300.00} TO PAY XXXX TO SUBMIT AN APPLICATION TO THE DEPARTMENT OF EDUCATIONS STUDENT LOAN FORGIVENESS PROGRAM. IT IS SHOWING THAT I HAVE USED 89 % OF THE CREDIT LIMIT WHICH HAS NEGATIVELY AFFECTED MY CREDIT. I WOULD LIKE THIS ITEM REMOVED BECAUSE I DO NOT RECALL ELECTRONICALL SIGNING ANYTHING STATING THAT THIS WAS OK. THEY ARE CHARGING ME {$49.00} A MONTH UNTIL THAT {$1300.00} IS PAID OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my consent.
Product: Debt collection

XXXX  sent notice of Debt owed I called this company about the Debt to see what it was this was the first contact ever made by this company. This is a debt for XXXX XXXX. The original amount was owed in XXXX the first contact I received was on XX/XX/XXXX How can they collect this after 6 years and this is the first I am aware that it was even owed to them. The amount owed is XXXX they want to settle for XXXX I don't feel I owe this since they have never tried to collect this before.
Product: Debt collection

My identity was stolen XX/XX/XXXX and used for XXXX utilities in apartments. I took steps to resolve this with XXXX XXXX and the debt collection service they used. However, in between the XXXX debts with XXXX, apparently a fraudulent account was opened with XXXX XXXX in XXXX XXXX. I never received communication about this account until XXXX XXXX, when Online Information Services sent me a letter in the mail stating that my " refusal to argue the debt '' served as my acknowledgement and that I now had a collection on my credit report. My XXXX score immediately dropped to XXXX. Their website states that they confirmed the person owing the debt was me, except the address is in a different city from where I live and they never once reached out to me. I have disputed the collections with XXXX XXXX and XXXX but I am frustrated Online Information Services didn't do any proper due diligence to reach me in a timely manner, instead sending a single letter past the " due date '' a full year after the theft occurred.
Product: Money transfer, virtual currency, or money service

I was issued a settlement checK by XXXX XXXX which was drafted Off a Wells Fargo account on and attempted to cash this check The teller told me that they can not cash the check I would have to open the account account after I open the account up a Bank Teller took the check to XXXX XXXX about approximately an hour went by they had come back out in the main lobby full of people and accuse me of trying to pass a fraudulent check XXXX took the check refused to give me any documentation on this check or what she was doing and accusing me up I had called my attorney XXXX XXXX While still in the main lobby of the bank and he got on the phone and he spoke to XXXX she refused to release the check R give any documentation do you to XXXX XXXX   Claiming the check was a fraudulent check XXXX  had said she told me to leave the bank or she would call the police and charges were pressed against me the check has come back that is not a bad check and the check shouldve been honored I feel that The bank employee XXXX  violated my rights by releasing falsified information to the public which was done in the main lobby of the bank as you accused me of passing a fraudulent check which would also be defamation of character and slander also I believe she took the check unlawfully which caused me financial problems as well as stress the check was re-issued a month and a half later Enclosed I have submitted evidence backing my statement and Claims of what happened
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : a loan a credit card or credit cards from XXXX XXXX XXXXXXXX with a balance of {$0.00}, XXXX XXXX XXXX  with a balance of {$210.00}, XXXX XXXXXXXX XXXX  XXXX XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit card

I came home last week to find a Synchrony Bank Credit card issues to me for Amazon Prime. I opened the card it had a sticker on no activation requers and it had a XXXX credit line. I never applied or file out an application for this card. Whjne I called Synchrony Bank it said that this card already had a Balance of {$980.00}. I called to find out what happened they informed me that the Sunday XXXX/XXXX/2016 that someone called in and an sked to use the cards to make purchases and they bought XXXX on am, Amazon prime an d had the items shipped to XXXX XXXX XXXX XXXX GA XXXX. I explained that I did n't order these items and i dont know who lives at that address. I called the police they filed an identity theft report case number is XXXX her in macron XXXX XXXX of XXXX ..The person who uses that address is a career criminal with a laundry list of charges outstanding against him have a real problem when I called Synchrony Bank they did n't question the second card since I already had a card issued to me from HHGRegg that was is in good standing they advised me they did n't question the second card being open. They also informed me it was standard practice by Amazon.com to let them give the custom, er the ability to charge on Amazon prior to receiving the card and that they ship the cards already activated no need to activate. I have a real problem with this. Not only have they allowed my identy to be compromised and my personal info to be stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and there is an XXXX XXXX  XXXX XXXX something that keeps appearing on my credit after I have advise all 3 reporting agencies to remove it. They are updating it as old. XXXX being the most recent company I have reached out to and my identity is not being identified on many platforms. As well they have me listed as living in XXXX when I have did a credit check through them and at least two of my credit tradelines have reporting My updated address they will not update my personal information and old debt off my credit report no matter how many times we seek help. 
I can't get help on the phone as I can not be identified because they have the wrong information. 
This is ongoing.
Product: Credit reporting or other personal consumer reports

Dear XXXX I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report. 

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report