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

On XX/XX/2021 I noticed a charge for {$820.00} on my Apple Card by a " merchant '' identified by XXXX XXXX ( XXXX ). 

I had contacted Apple Card support and they initiated a dispute. It was resolved in the merchant 's favor on XX/XX/2021 because the merchant provided sufficient evidence that I made the purchase. 

I would like to see this evidence. I have no records in email or via XXXX ( whom I also contacted and could not verify the purchase ). 

The Apple Card support team and apparently the underlying financial systems appear to be inadequate at detecting and preventing fraud. This is one of many disputes ( all resolved in my favor ) I have had to address with Apple. Their explanation is that there are glitches. I believe it is time for a full audit and investigation of both Apple and Goldman Sachs. It is readily apparent neither company is equipped to deal with consumer credit.
Product: Student loan

1. Navient Loans ask for an email address then do n't send information by email or paper. I removed my email address and told them to mail information on paper. Which are still slow an inaccurate. 
2. Now I ca n't log into my account without signing up for paperless communication. 
Are they allowed to do that? 
3. This my daughter 's cosigned loans. They wo n't give me any info about these loans. They did'nt take auto payments in 2014 and did not communicate. When they found the errror the harrassed me to no end. I gave them a set of payments for XXXX month and they were calling back the next day asking for the rest. This is even though my daughter was making payments. She told me today to never give them money because it goes to fees that are likely wrong and she is better off working with an acct manager to resolve any issues that are usually attributed to a Navient error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my crediXXXX XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Product: Credit card or prepaid card

I was persuaded by a cashier from XXXX XXXX at XXXX XXXX on XX/XX/2022 during checkout that I was pre-approved for a Rewards Card and went on about the deals I could be getting. I initially said No, because I already assumed she is selling me a credit card, and that I opened enough credit accounts this year and I dont want to hurt my credit score. She then told me that since I was pre-approved, this wouldnt affect my credit score at all. I reiterated that back to her, and she said that this is a Rewards Card and you are pre-approved as I can see here, so dont worry about your credit score. I asked Are you sure this wouldnt affect my credit score? The cashier said Not at all. Then, a day after, all of the credit bureau informed of a credit score change and my credit score is down by XXXX points. I wish to dispute this, because this is plain false advertising, and I would like to see if I can settle this first without an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just took a look at my credit report and I saw a few hard inquires on my report that are unauthorized. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. 

XXXX XXXX XXXX XXXX - CARD SERVICE XXXX XXXX, XXXX XXXX XXXX Please have this inquiry removed from my credit ) le because I believe I did not authorize this inquiry. 
Under the Fair Credit Repor-ng Act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 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
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, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account withoutmy written instructions
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and I have disputed this information multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U
Product: Credit reporting

I recently applied for a XXXX XXXX product, a checking account. I was informed that I did not meet the expectations, hence declined. I assumed that as a result of this inquiry my credit card company has usage imposed restrictions on my credit card ( longer holds, etc. ). Nonetheless, I was told I had a right to know what my credit report had that I was not aware. The agency they reference in the letter was Checksystems. My experience in the past was very negative. I requested a report about three months ago and never received such request. I wondered what is being reported since I was rejected. This is not the first time I have encounter rejections referencing information on consumer report. I have filed previous situations with this agency about them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block inc ) due to inadequate customer service and unfair practices which violates The Consumer Financial Protection Act ( CFPA ) mainly Cash app failed to take timely and effective measures to prevent and address fraud on thier platform leaving my account vulnerable and unprotected Futhermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Transfer Act ( EFTA ) and Regulation E. These actions have cause a significant financial loss and I seek appropriate re address for these violations
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements unde
r the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through mail and CFPB and nothing ever gets rectified. They say they have done a full investigation and the same numbers go right back onto my credit report
Product: Credit card or prepaid card

Capital One has cancelled my credit card even though I have submitted three forms of identifications : a Real Id XXXX Drivers license, a passport, and a government PIV card. Capital One refused to verbally or in writing identify the reason for the cancellation. Capital One has also refused to refund the hundreds of dollars of rewards associated to the account. Per their website, I have {$660.00} in rewards. I am seeking compensation for all unclaimed rewards as well as written confirmation that the card has been cancelled ( to avoid any inaccurate and derogatory reporting on my credit reports ). 

Despite knowledge of Capital Ones refusal to unfreeze my credit card, I paid off my remaining balance on XX/XX/XXXX. I have never paid late and often pay ahead of the autopay schedule. There is no reason for the cancellation. This card has been active since XX/XX/XXXX. 

I have made numerous attempts to resolve this issue since XX/XX/XXXX when my card was first denied by vendor. I initially responded to the request for identification with my XXXX  drivers license which does not have a real id certification. I was a resident in XXXX from XXXX and a resident in XXXX XXXX from XXXX. I moved to XXXX XXXX to serve as a XXXXXXXX XXXX XXXX XXXX XXXX  and returned to the US in XX/XX/XXXX. I was unable to provide an XXXX  drivers license immediately because XXXX  requires two piece of mail along with my XXXX  DL and passport in order to obtain a drivers license. I bought a home in XX/XX/XXXX and provided a copy of my new drivers license to Capital One. These attempts resolve the issues as well as waiting for my new drivers license was the reason for the delay in filing this complaint.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been incorrectly attributed to me without my awareness or authorization, causing considerable XXXX As a victim of identity theft, I have already reported this incident. This situation urgently requires attention, as it has negatively affected my financial standing and personal reputation. I request your assistance in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary evidence and, if needed, pursue legal action to defend my rights and seek appropriate redress. Your immediate attention to this critical matter is greatly appreciated.
Product: Credit card

I attempted to use my Bank of America XXXX  XXXX credit card to book a flight using my rewards with the card. During the call, somehow, I was intercepted by a fraudulent company called XXXX XXXX, which I assume is located in XXXX based on the interaction. The person on the phone, named XXXX, told me that they were a part of the rewards program and he was the only way that I would be able to facilitate the transaction. I authorized the purchase of the flight which was {$720.00}, but did not authorize the separate fraud charge to XXXX ( as was listed on my statement ) for a total of {$930.00}. I later realized that the transaction was fraud when it was brought to my attention and confirmed by the XXXX  XXXX. I tried filing a dispute with Bank of America on XX/XX/XXXX and was denied on XX/XX/XXXX. I was not alerted about the suspicious activity at the time of the transaction.
Product: Mortgage

My payments are sent by bank draft to arrive to Lakeview Loan Servicing before the XXXX of each month. My regular monthly payment is {$1000.00}, however, my draft is setup for {$1000.00}. I have been attempting to refinance my mortgage ( IRRRL ) and was advised by the processor on XX/XX/XXXX that they were still awaiting for my payment for XXXX to be processed so that they could request a pay off for the account. I contacted Lakeview and inquired as to why my account had not processed the payment and why do I have late fees showing on an account that has auto bill pay established? I was advised that " for some reason '' my payments are sent to a suspense account before being applied to my loan. The payment that was sent on XX/XX/2020 would not be processed until XX/XX/2020. My closing date for my IRRRL XX/XX/2020 was effected due to the company not processing my payments in a timely manner. ( I will submit another complaint in regards to how the IRRRL with Lakeview was repeatedly mishandled ). At that time when speaking with the Lakeview CSR, I requested an audit of my account but have not received any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2021, a Fraudulent transaction of XXXX {$43.00} on my US Bank Credit Card XXXX XXXX XXXX XXXX, was made. 

I did not know about this transaction, but US Bank started charging me a Late Fee and Interest. I had contacted them in XX/XX/2021 when I got to know there was a balance left on my card and explained to the US Bank that this was a fraud transaction. 

US Bank has agreed this is a Fraud transaction, and they have removed the late fee, interest, and balance on this card. 

But, by this time, it negatively affected my credit report as they considered these transactions as of late payments. 

US Bank suggested I dispute this with the credit bureaus. I have done as they told me, and now US Bank did not clarify the bureaus about these fraud transactions, and they have closed my account without even informing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Errors and Discrepancies on XXXX Student Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my XXXX student loan account, as reflected in my credit reports provided by TransUnion and XXXX. I have identified multiple discrepancies and errors in the reported information that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the disputed account and discrepancies : Account Number : XXXX High Balance : {$6000.00} Date of Last Activity : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} Account Status : TransUnion XXXX Closed ; XXXX XXXX Open Payment Status : Late XXXX  Days ( both bureaus ) Payment History Discrepancies : TransUnion : Late payments ( XXXX and XXXX  days ) reported from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : Similar late payments reported for the same period. 
Identified Errors and Violations Inconsistent Reporting Across Bureaus : The payment status and payment history are not uniformly reported. While TransUnion and XXXX report late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX does not report any payment history. 
Account Status Discrepancy : TransUnion reports the account as closed, whereas XXXX lists it as open, creating a conflicting narrative. 
Privacy and Accuracy Violation ( 15 USC 1681b & 15 USC 1681c ) : The late payment information reported does not reflect the actual payment history as per my records. Moreover, the discrepancies across bureaus demonstrate negligence in ensuring accurate reporting. 
Incorrect Date of Last Activity : The dates reported by TransUnion ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) are inconsistent and fail to accurately reflect the true date of the last activity on this account. 
Failure to Update Account Information : Despite resolving the account in XXXX, the discrepancies and conflicting statuses persist in reports from TransUnion and XXXX, indicating noncompliance with 15 USC 1681s-2. 
Requested Action Given the documented inaccuracies, I request the following actions be taken : Immediate investigation into the accuracy of the reported information. 
Removal or correction of all inaccurate late payments from XX/XX/XXXX to XX/XX/XXXX. 
Consistent reporting of the account status as closed with a {$0.00} balance across all bureaus. 
Written confirmation of the corrections made to my credit reports. 
Failure to address these discrepancies within XXXX calendar days will leave me no choice but to escalate the matter further. I trust that you will handle this complaint promptly and in compliance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX. 

My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. 

I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. 

I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I really appreciate it if you could correct or delete the following items as soon as possible. 
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
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( 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.

15 U.S. Code 1681i 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Vehicle loan or lease

Carvana has violated my rights and failed to address these violations or lawfully remedy the issue.

Carvana has illegally disclosed my personal information and social security number without my permission. I have never consented or contracted to do business with a company called " XXXX '' that is apparently linked to Carvana. Carvana provided XXXX with my personal information to collect an alleged debt from me that is in dispute, and is not XXXX 's to collect. Carvana 's contract is misleading and deceptive and full of false misrepresentation. Carvana 's contract violates 15 U.S.C.

1692e ( 2 ) ( a ), 15 U.S.C. 1692e ( 11 ), 15 U.S.C. 1692e ( 14 ), 15 U.S.C. 1692j, 15 U.S.C. 1605, and 15 U.S.C. 1605a. 
I gave notice to Carvana, which was received on XX/XX/22, that I would be rescinding from the contract in accordance with 15 USC 1635. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Carvana. This alleged debt is disputed for fraud on the contact and failure of meeting of the minds. Carvana has not ceased to collect the debt via the Carvana app. Carvana has failed to provide any actual accounting or prove the alleged debt is valid and not fraud. Carvana is in violation of 15 USC 1635 ( b ) - " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. '' - As it has been over 20 days and they have failed to return my downpayment monies, as well as failed to terminate the security interest on the vehicle created under the transaction. Carvana has also failed to provide me with the free and clear title of the vehicle. It is my right under 15 USC 1635 ( b ) to retain possession the property ( vehicle ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the given name GREEN, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will CONSUMER, GREEN and autograph as the agent, attorney in fact, so be it. 

I did not give consent to TransUnion, XXXX, nor XXXX  to report XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX to my consumer report. 

15 U.S Code 1681a No Consent, is Identity Theft 15 U.S. Code 1681b Permissible purposes on consumer reports ( a ) In General any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not give TransUnion written instructions to report anything on my consumer report.

15 U.S. Code 1681a ( 2 ) Exclusions ; the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX and XXXX are in fact credit cards that are not supposed to be on my consumer report.