23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Apple Credit Card was suspended some time ago because I was late on a payment. 

Unfortunately, I do not know when this occurred because once you are dq with the Apple Card, you no longer have access to the account, transaction history, or any use of the account information. 

I paid my account manually, monthly, and somehow must have lost track, because I have a completely perfect credit report, except for this Apple Card. 

Once I went dq, since then I receive calls from Apple approximately quarterly, telling me that I am again dq, on a card I have not had access to in months. 

After several calls with the Apple Card service people, a few things were uncovered : -These regular approximately quarterly calls were due to an Apple Storage fee that was tied to this account. 

-My account was tied to my old employment email address, which is no longer active, and I have not been able to access since XX/XX/year> -Apple Card was unable to change my email address to my current email address, and thereby continued to correspond with me via email, even though I advised them that I have no access to that email address, and have not for many months. 

On top of that, when I experienced that first dq incident, I have not had, and still do not have access to ANY of my account information - previous transactions, charges or payments. 

And since Apple Card will only deal with ME through an email address that is non existent, they have been contacting me on a final Apple Storage Fee of {$2.00}. 


My last recalled contact with them was late 2023, when this account was to be closed- not that I wanted it closed, but because they had no ability to allow me to change my email address - and consequently, my account was closed, and I should have had no additional interactions with Apple Card. 

But then I started receiving phone calls from them a few months ago. I did not return the calls because my last call with them, my account was closed and all was finished with them. 

It was not until I received an update front credit monitoring that I have my first credit report dq and is from Apple Card that I reached out today and found that I am dq from a final Apple Storage fee, and now I have my first negative credit on my credit report. 

Apple Card feels justified because they apparently have been communicating with me through an email address I havent had access to in many months, and they knew I had no access to this address. 

( They knew because it is the account was closed- they had no ability to allow me to change my email address. [ Is this odd? An account that- if you want to change your email address - that is not an option, you must close account, or allow your account info to flow to an email account that no longer exists?!?! ] ) On top of this, I still have no access to my account transaction history. 

I would like Apple Card to correct my credit report info because they are the reason I was dq on the {$2.00}, because they would only correspond to me via an inoperable email address that they knew was inoperable. 

My credit report is spotless, and the only dq shown would be this one {$2.00} payment.
Product: Debt collection

I have been a victim of identity theft. This has been a traumatic time for us. They have been leaving either empty messages or notifying other family and friends about this. We are on Social Security income and can not do anything. We contacted XXXX a nonprofit law firm for additional assistance. They have disregarded all communication about this. We contacted them in XXXX and notified them to contact XXXX. but they have ignored that. XXXX has sent them a letter. Please see attached.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Remove this account from my consumer report asap
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

iam a victim of identity theft i found a few accounts that i don't recognize and student loans and ive never been to school my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX inquiries : 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
Product: Credit card or prepaid card

American Express reduced our credit limit lowering it to just over the purchase thus causing our credit rating to be affected even though we never missed a payment on our credit history. They said it was triggered it by something sent by XXXX. They said they had the right, but reducing to so near the current balance causes chances of problems or payments to cause adverse effects to the client. Thus the business practice why used to protect themselves can have a good credit score to turn bad because of a business decision that is typically auto done.
Product: Debt collection

Previous filed complaint, Wells Fargo denied, mislead and increased my mortgage paper on a modification where I had to sue them in court. They made my payments where I could not afford to pay it back while changing the term of my loan to an unreasonable remaining term.This was fraudulent and deceptive practice on an FHA loan that was government insured with mortgage insurance. They actually profitted by illegally foreclsosing on my home and breaking the law on loan modifications. 

This sled to me filing bankruptcy which ruined my credit and denied me jobs, lost of my children, lost of my home and ruin my life.
Product: Credit card or prepaid card

XXXX Received multiple letters for pre-approval from Capital One Quicksilver   Offered Balance Transfer options. I have multiple offers from multiple companies, but I selected this one and now I regret it. Here is why. 

Upon applying and being accepted within seconds, the balance transfer option was not available. 

I had to call customer service and they said it could take 10 days or longer. Nobody knows for sure, just estimates and guesses. Nobody knows why every other company offers it instantaneously capital one decided to delay it for weeks or months for all we know. None of this was included in the advertising as I would have never applied to their card over someone else 's card. 

This is " not '' to be confused with the line in the advertisement saying it will take 10 days to pay the creditor for a balance transfer. They are now saying I can't even apply for a balance transfer for at least 10 days, if not longer. Therefore, the payment will still take an additional 10 days AFTER that. This could be months in total. 

After explaining to XXXX, top level support specialist, that I feel conned and cornered into getting this card which I can't use ... .all she said was, " sorry. '' She outright refused to give me to her superiors while also claiming she has no authority to help me and has no answers for me. All she could do is say, " sorry '' and refuse to answer every question or every request to escalate this above her. 

Big business is untouchable apparently as she was not concerned in the least bit. 

I was conned into getting the capital one quicksilver card and now I'm cornered into keeping it out of fear my personal credit will be harmed. When I asked if my credit would be impacted if I canceled the card immediately, they said they have no idea. 

You advertise with misleading offers and then you corner us into keeping the card. 

So once again, they have conned me into getting their card and then making it exceptionally hard to cancel because they won't let me know how it will impact my credit. 

This is completely false/misleading advertising to do such a thing with someone's credit on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. These companies work together, as I understand ( Freedom Debt Relief and XXXX XXXX XXXX ). 
I became their client on XX/XX/XXXX, but later the customer service become confusing and absent. 
First, the person who signed my account totally disappeared ( Mr. XXXX XXXX ), without any explanation : telephone disconnected ( XXXX ), and no email reply : XXXX. 
When I finally could reach some of his colleagues ( XXXX XXXX and XXXX XXXX ), they did not offer any good explanation, and just asked me to contact Freedom Debt Relief. 

Then, whenever I email Freedom Debt Relief ( the company I see in my account online ), they do not reply my emails. For the last month, it took me THREE long phone calls to get an update about my consolidated debt. They promise to get back to me, and they do not. So I always must call AGAIN AND AGAIN. 
I have mentioned this to them ( today, to supervisor XXXX XXXX ), and they do not seem to care. Meanwhile, they take {$360.00} from my account as a direct deposit, on time, every month.

I feel totally neglected. Right now they have {$3000.00} on my " Dedicated Account ''. In my previous call ( XX/XX/XXXX ), the representative said that that was an " enough '' amount, and that somebody would contact me ... Nobody did. Meanwhile, they keep my next negotiation on hold. On today 's call, just 9 days later, XXXX said the amount was not " enough ''. Very confusing. 
They should be more serious about following up, and reply my questions professionally on time, as I work hard and do my monthly payments to clean my debts. Thanks
Product: Student loan

I contacted Navient on XX/XX/2022 and informed them of the Sweet vs Cardona case and that the U.S. dep Of Ed is no longer pursuing payment of my loans. However Navient continues to charge me for me past ffelp loans. I also fall under automatic loan forgivness due to this case. Also the charges that was brought upon Navient. My loans should be forgiven since they are over 20 years old! Navient should have sent me a XXXX dollar check and did not. They also directed me into unforgiving forbearance and fraudulent loan repayment programs which all money and interest should be paid back to me under the Navient law suit.
Product: Debt collection

Ability Recovery Services is currently reporting a debt of {$130.00} from XXXX XXXX XXXX XXXX on my credit report. To date, I have never received the required validation notices for the account - actually I have never received any written notification regarding the account balance or any information validating the debt. Clear violation of FDCPA.
Product: Credit reporting or other personal consumer reports

I purchase a sound bed via XXXX never received product so I cancelled however Affirm reported that I was 60 days late I still had a balance I asked how can I have a balance when canceled I keep getting the run around please advise. So I paid the balance and rep told me that the 70 day late would be removed I called today XX/XX/year> and been on hold for over. XXXX  please Advise
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX ( Unauthorized Inquires ) XXXX  XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX  XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Experian on day XX/XX/year>XXXX  asking them to reinvestigate these accounts : XXXX XXXX, account XXXX, and here is my tracking number : XXXX On day XX/XX/year>XXXX  they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

I have Medicaid and have so I do not know why I 'm being charged
Product: Mortgage

you state is that I did not submit the correct documents for the 2024 Someone from XXXX XXXX call me to clarify why the loan has not been processed. He did not mention that the application was not incorrectly mentioned that I have to wait until XX/XX/year> you need to stop to tell lies its not going anywhere because every argument I have with you guys. It has been taped every email and responding I have been photographed. I dont need to be coming here to bring up a nasty company what you are behind for people to refinance because you want to get higher interest rate to remove someone off of their loan Your products on your site I can not understand it so I go to XXXX XXXX XXXX indicate to me that I can use the assumption thats why I call you guys so many time to ask you guys different information because XXXX XXXX XXXX tell me different information so so many times I call you is to ask about it because theyre telling me about it. They are registered to you guys to get loans from you guys so they should know more about your products than you workers. and you stated inside your message that I am signing the sellers part that belong to XXXX thats a lie that means said you are calling the notary that stamp the quick claim deed then because notary was present when they are signing the claim deed so choose your words carefully
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I submitted a complaint to the CFPB regarding identity theft and requested Equifax 's method of verification and investigation ( Complaint # XXXX ). I attached my FCRA 605B Identity Theft Fraud Block request and supporting documentation, including proof that Equifax improperly closed my dispute the same day it was submitted without conducting any investigation. This is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) sent a settlement letter regarding an alleged debt to Discover Bank. XXXX failed to validate the debt as required by XXXX XXXX. XXXX ( b ) of the FDCPA. XXXX has not provided evidence of the debt 's validity nor their authority to collect it. ( These seem late for XXXX, but I only learned about these occurrences in the recent transmittal to me, on XX/XX/XXXX, of the files pertaining to settlements from my escrow account with XXXX ). XXXX has entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX ( XXXX ), acting purportedly as my representative on XX/XX/XXXX. This agreement was made without my knowledge or consent, violating XXXX XXXX. XXXX ( XXXX ) for false representation and XXXX for unfair practices. I retained XXXX to negotiate my validated debts ; however, XXXX paid settlements and took fees without validating debts and without disclosing the details of the parties to me, constituting a breach of fiduciary duty. In this case, the settlement agreement is with XXXX, a nationally known entity, yet lacks reasonable information, including any designation of who the parties are, a lack of a formal signature, and missing significant legal character. According to XXXX XXXX. XXXX ( a ), Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing... the amount of the debt. Given these violations, I believe the settlement pertains to an unvalidated debt. Any funds collected must be returned to me per XXXX U.S.C. XXXX ( c ). I have terminated my agreement with XXXX and request that all further communications be conducted in writing to XXXX.
Product: Credit reporting or other personal consumer reports

I noticed some incorrect information on my credit report, as outlined under 15 USC 16c-2. The details in question are inaccurate and negatively impacting my credit score.
Product: Debt collection

PLEASE HELP ME. EVERY TIME I'M SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I have been locked out of my Coinbase.com account since XX/XX/XXXX. I sent a message to Coinbase.com, via there online support/email system, asking : '' How do i get my account enabled ''. I have a considerable amount of funds in this account and have n't heard from them since XXXX XXXX XXXX This is the last message that I received from them : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Please let me know if the matter develops further as we investigate. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation.

Therefore, I hereby demand that you immediately cease all forms of communications regarding any of the following accounts : XXXX XXXX