23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> a charge in the amount of {$140.00} was applied to my Apple Card. After that charge went through, they tried charging another purchase at same vendor for a different amount, but charge was denied. Ironically, after that, they tried charging several more charges to different vendors, all within a few days of each other, and with vendors, I have never heard of. The transaction sequence and method is similar to what credit card thieves do once obtaining your information. 

As soon as I discovered what transpired, I immediately contacted Apple and submitted a dispute. 

As a long time customer, who has never been late on a payment, one who pays more that the minimum payment and has paid this card off a few times, I never thought in a million years I would be bullied into being told this is my charge. Mind you, I live in Texas and this charge took place in New Jersey. Second, I am almost XXXX XXXX XXXX. This charge was for an amusement park. I have no use for an amusement park. 

I requested proof from Apple as to how they can say purchase is mine but what I received was a very blurry copy and no explanation of what I am looking at in these documents. Personally, I see nothing that shows that I made this purchase so I am confused how they can say these charges are mine. 

As I explained to them, I am more than happy to file a police report for fraud and identity theft. However, I need more to go on so I can explain properly the details when I file this police report. I have been treated extremely rude, the company that I have been a customer with for several years has accused me of lying and making false claims. This is all so hard to stomach. 

However, if I were to make a false claim, trust me, it would be for more than {$140.00}. Last, how do they explain the other charges and pattern? 

I truly believe that Apple is doing this to me because they leaked my personal information and allowed this charge to go through. I think they dropped the ball and now are trying to bully me into paying this charge. Nothing else makes sense because you dont treat an excellent customer like myself like this. 

As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has never been an issue. All companies handled disputes professionally and removed the charge permanently from statement. 

Why is Apple treating me this way? 

I now need to question the other charges on my personal statement more carefully and examine if they are accurate. 

Any assistance you can provide would greatly be appreciated. 

XXXX XXXX
Product: Mortgage

Had issues with Flagstar previously. Where they don't process my loan payments from my bank on time then assess a late fee and as before statements are not available on line when attempting to pay. This is ridiculous. Was so happy when they went away as my loan servicer previously but I have them back again. Same antics with them. They didn't process a check from my bank few months back so incurred a late fee and credit hit. Now I am not sure what I am paying for ( can not get a statement today ) but forced to pay the higher payment this month since I can not be late. I have to pay on their website and take screenshots of that so they don't XXXXXXXX XXXX again. Current loan # they are servicing is XXXX. I think they purposely doing these things to collect late fees
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi XXXX. I am specifi cally addressing the fraudulent informati on listed below as a victi m of XXXX XXXX XXXX ; XXXX XXXX XXXX in letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates 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 XXXXXXXX Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - [ ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX, Experian and XXXX in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
Product: Vehicle loan or lease

Hiding the true cost of credit : Since XXXX, Credit Acceptances loan agreements nationwide have said that consumers would pay interest at an average 22 % APR. However, the true cost of credit offered is far higher than what borrowers are told. This is because Credit Acceptances business model pushes dealers to manipulate the prices of vehicles sold to Credit Acceptance borrowers, based on borrowers projected performance. This increases the principal balance of the loans. By hiding the true cost of the credit in inflated principal balances, Credit Acceptance evades state interest rate caps and deprives consumers of the ability to make informed decisions, to compare financing options, or to avoid high interest charges.Setting up borrowers to fail : Credit Acceptance ensured its own profits by providing loans without regard to whether borrowers could afford them. For almost 4 out of 10 loans, Credit Acceptance predicted that it would not be able to collect the full amount financed by the loan. Credit Acceptance profits even when borrowers are unable to pay their loans in full by using aggressive debt collection methods. As a result of Credit Acceptances practices, customers faced late fees, repossessions, auctions, post-repossession collection efforts, lawsuits, and ruined credit profiles.
Product: Student loan

Discover Student Loans on my credit account, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ). The reported information is inconsistent and does not accurately reflect the status of my account. 

**Details of the Issue : **\ Discover Student Loans has reported that my account was charged off ( CO ) for several consecutive years, but the reporting contains discrepancies that undermine its accuracy. Specifically, the account is marked as " charged off '' for every month in XXXX, XXXX, XXXX, and XXXX, as well as for the beginning of XXXX, with the following exceptions : - XXXX XXXX : ** Reported as " Closed '' ( CLS ) instead of " Charge Off '' ( CO ). 
- XXXX XXXX : ** No status is reported. 
- XXXX XXXX : ** Reported as " Closed '' ( CLS ). 

This inconsistent reporting raises questions about the validity and accuracy of the " charge off '' status that is repeatedly claimed across multiple years. 

**Violation of FCRA Section 1681 ( e ) ( b ) : **\ Under the FCRA, data furnishers are required to maintain maximum accuracy in the information they provide to consumer reporting agencies. The discrepancies noted above suggest that Discover Student Loans has failed to meet this standard, which has negatively impacted my credit profile.
Product: Student loan

I have been trying to get an income based repayment plan with Navient for months because I am at my annual renewal point. Every year I go through the same fiasco, it takes months and then they finally tell me I owe nothing for 1 year. Some years they tell me I need to send my husband 's income information becausr we file joint income taxes and other years they tell me they do n't need it because he did n't co-sign my loans nor does he have any student loans.
Product: Credit card or prepaid card

I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge done on my card by a company called XXXX XXXX XXXX XXXX charged on XXXX/XXXX/XXXX of {$4800.00}. I paid them after their persuasive salesperson made me promises of a very profitable online business. I never made a penny.They kept saying how important their services were that they would do the marketing and advertising of my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I use Zelle on a weekly basis and when money was stolen from me through a scammer, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, and I lost money that was mine. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I use Zelle with caution now, and it is upsetting there is no insurance policy similar to the ones major credit card companies have put in place. We should be able to dispute fraudulent transactions.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some hard inquiries that did not have permissible purpose.I also attached evidence due to the misleading and misinformation of the bank employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to the violation of 15 USC 1681b.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant incovenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a payday loan of {$720.00} due to a financial hardship. When I initially submitted the application for the loan I never received an email stating that the loan was approved or the terms. I had to call the customer care line to find out that it was approved. I was told my email was misspelled and that was why I did not receive the email. I was told the email was corrected and I would receive the terms shortly but I never did. Their website does not easily show the term details when you log in. I finally located the document after I kept getting automatic payments taken out of my bank for the loan. I assumed the loan was paid because at least {$920.00} had already been taken for the {$720.00} loan. To my surprise the repayment amount is over {$3000.00}. I would have never in my life agreed to pay back {$3000.00} for a {$720.00} loan. The site is completely misleading and isn't transparent when requesting the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. Phoenix Financial Service 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX
Product: Debt collection

I received a notification from XXXX XXXX about a collection added to my account on XX/XX/XXXX. According to XXXX XXXX, the debt is for {$9100.00} from Source Receivables Management. This is all that I know. From XX/XX/XXXX through now, I have received intermittent debt collections all related to rental debts which resulted from identity theft. This individual also filed federal tax returns under my name for the XXXX tax year. I have extensive evidence of the identity theft, including a copy of the fraudulent license and I have testified in court against the individual who stole my identity. The company collecting debt under association with my name, date of birth, and social security number clearly does not have my information, as they have not contacted me. A copy of the fraudulent license, as well as a summary of all incidents as of the last reported incident in XX/XX/XXXX, are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and i seen all the credit bureaus reporting a bankruptcy on my credit profile. Lexisnexis is reporting the Bankruptcy as of XX/XX/2017 on my profile. They reported negative and defaming information beginning XX/XX/2017 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. The courts do not report bankruptcy so why are you furnishing this information to hurt my credit score. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Credit reporting or other personal consumer reports

A few months ago through certified mail i reqested from all XXXX  credit buearues about {$15000.00} Open balance XXXX XXXX XXXX Original creditor I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : XXXX. A copy of the original signed contract or agreement between myself and the original creditor. 
XXXX. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied. 
XXXX. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
XXXX. Proof that I have a contract with [ name of collection agency ] bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  UN Reported : XX/XX/2019 - {$10000.00} Closed CHILD SUPPORT Reported : XX/XX/2019 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Product: Mortgage

Bank of America has committed fraud on real estate, mortgage, or Deed of Trust by participating in and conducting a public auction and Trustee 's Sale related to a XXXX balance Deed of Trust on XXXX XXXX, XXXX. 

Bank of America has admitted no balance is associated with the XXXX Deed of Trust associated with this account after recording a Notice of Default ( NOD ) and before recording a Notice of Trustee Sale ( NTS ) and proceeding to sale at public auction. 

Bank of America has foreclosed on a zero balance Deed of Trust all the while claiming a default of forty-five months at the time of sale while intentionally omitting the facts surrounding their actions to explain how such a representation to me and the public of a default, that includes principal, interest, fees, and costs of collection associated with the defaulted XXXX Deed of Trust. To date, Bank of America has not made any attempt to explanation their decision to proceed to foreclosure and begin foreclosure processes as evidenced by their submitted responses to CFPB complaints related to the matter. 

Bank of America has charge me prinicpal and interest since XXXX to pay off the XXXX XXXX Deed of Trust which conveys the down payment assistance I qualified for under the State of California 's HEAP program. However, Bank of America never forwarded the monies charged to me in XXXX to the State of California, XXXX, but rather continued to collect both prinicpal and interest through XXXX for the XXXX Debt conveyed through and associated with the XXXX XXXX Deed of Trust. Additionally, Bank of America also collected monies from a bona fide purchaser ( BFP ) on XXXX XXXX, XXXX that included the current pay off amount of the XXXX XXXX Deed of Trust. It should also be noted my real property associated with this account was used as collateral to secure the XXXX XXXX Deed of Trust as evidenced by the XXXX Financing Statement and Assignments of Rents recorded in XXXX at the time of loan origination. 

Bank of America has not collected, applied, or accepted any monthly installment payments under the terms of the XXXX Deed of Trust and I have not offered, tendered, or have caused to be applied any monthly installment payments under the terms of the XXXX Deed of Trust sine XXXX XXXX, as declared since XXXX XXXX forward. 

Bank of America is guilty of Dual Tracking, a practice prohibited by law, as I have not received any written determination, as required, on appeal from the Bank of America Appeals Department based on their XXXX XXXX Appel Report to date. Therefore, Bank of America has no authority to cause to be recorded a NOD, NTS, proceed to Trustee Sale at public auction, or otherwise complete the sale transaction resulting from Trustee 's Sale. 

All previously mentioned resolutions are desired and mandatory,