23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I opened the dispute with Goldman Sachs, Apple Card in regards to the incorrect balance that appears on the billing statement and the ongoing interest charges. Below is the basis of my complaint. 

XXXXMy complaint / dispute is the following : XXXX. No balance is owed on the account because it has been paid in full. They are simply miscalculating and misapplying the refunds and adjustments to the statement. They are not following the terms and aggrement for the card. 

XXXX. Stop charging interest if no balance is owed. 

XXXX. Correct the balance and REFUND me for the overpayments I have made. 

To support my claim I have attached : XXXX. ) pictures of their calculations from the Apple Pay app which provide proof of my claim. 
XXXX. ) XXXX statements which include the total interest charged for each year, XXXX. ) Screenshot of the spreadsheet I created to calculate the true balance. All amounts on the spreadsheet I created are directly from the information they provided in the app. All I did was calculate the totals. 

As of today I overpaid the card by a minimum of {$600.00}. 

XXXXApplecard Goldman Sachs affirms what I am disputing as FACT and provides this information within the ApplePay app!!! 

In 2023, Apple Card Goldman Sachs began providing a weekly, monthly, and yearly breakdown in the Apple Pay app. This is included the following for each week, month, and year : I. Spending XXXX. XXXX XXXX XXXX. Interest XXXX. Payments made XXXX Refunds VI. Adjustments. 

Based on the calculations Goldman Sachs provided within the breakdown, it is more than evident that my calculations were correct. 

XXXXACTIONS I HAVE TAKEN in an EFFORT to RESOLVE the situation On dozens of occasions I filed a dispute with Applecard GS. This began XX/XX/2023 when I disputed the fact that no balance is owed on the account and thata Credit is owed to me for overpayment of the true balance owed. I informed them that no further interest charges should be Applied no balances owed. Each time they attempt to inform how interest works. Obviously they were not listening to what I was stating. After reiterating my complaint to the representative/specialist, I am then told that they will have my complaint escalated my and it will be reviewed. Furthermore, they stated I would hear back in the coming days. 

However, to this day I have not heard or been sent a response regarding the balance and ongoing interest charges. In fact, no attempt to respond has been made on by Goldman Sachs and it is apparent they have not reviewed the matter. 

Again it has been over 120 days since I first filed the complaint and 90 days since I most recently resubmitted my claim. This simply unacceptable and not in compliance with the laws that they are governed by. In fact the manner in which they have ignored me is abusive. To this day their response has been NOTHING!!!
Product: Bank account or service

To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my freelancing work. These physical checks are delivered to my US address, XXXX XXXX XXXX, XXXX XXXX, California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my US bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over one thousand dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Bank Of America will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the XXXX and thus is not allowed to do international notarization. At the same time, the US Consulate provides notarization services but traveling to and from the US Consulate and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX I would like to inquire if the bank with allow a signed power of attorney with XXXX witness signatures, in accord with Section 4122. Please promptly advise and I will have a Power Of Attorney signed with XXXX signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX XXXX XXXX XXXX or contact me directly at XXXXXXXXXXXX Sincerely Yours , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I applied for a credit card with chase XX/XX/30 I received a denial stating I have a score of XXXX which is incorrect, deliquient account also incorrect and etc. I pulled my credit and none of those things exist and I have sufficient proof so why is chase making things up. Is this DISCRIMINATION? My score is XXXX bmy utilzation is at 6 % my income is great and payment history even greater so what is the reason. I also contacted the XXXX  and they have no idea on what Chase is seeing.
Product: Credit card or prepaid card

XX/XX/2020 To Whom It May Concern : My name is XXXX XXXX and I am the Social Security payee representative for my mother XXXX XXXX. After contacting Social Security that the XX/XX/2020 payment of {$750.00} was sent to my Direct Express card. I contacted both 1-800 customer service numbers for your company. I tried for two days to get a live person. I waited for hours only to be told that the account was suspended due to possible fraud or suspicious activity and that I would need to email my ID, and SS card to XXXX. The customer service agent seemed hurried and did not give me a chance to tell her that I lost my wallet with all my identification in it. I wanted to make sure that the documents I do have will suffice as evidence. I even attempted to create an online account but an error message keeps coming up stating, information you entered is incorrect. Making this such an inconvenience. 
Unfortunately, due to the Coronavirus COVID19 pandemic and having to keep my mother in a safe environment, I have had to relocate to different dwellings. Because of this delay in releasing my mothers funds we are now facing late fees for the rent, not being able to pay my mothers co-pay for her medication, and not being able to buy food or clothing. 
I am submitting documents from my Case Worker, for verification Mr. XXXX, Social Security Administration XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX ext XXXX and further documentation that I previously had obtained a Social Security card, but due to the pandemic am unable to obtain another one in person. The same for getting another ID/Drivers License, most offices are closed and employees are working remotely from home. Therefore, its limited in regards to time. This situation is of utmost URGENCY. 

I am respectfully requesting that you not only accept the documents I have attached, but please expedite this request so that we can take care of my mother. If I can be of further assistance, please do not hesitate to contact me at XXXX or ( XXXX ) XXXX or ( XXXX ) XXXX. 
Thank you, XXXX XXXX for XXXX XXXX Attachments AFTER BEING ON HOLD FOR DAYS AND HOURS ON IN, DIRECT EXPRESS HAS NOTB
Product: Credit reporting or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that J am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec, 16811 ( a )? I heard that if you can I provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

1 demand the following accounts be veriffd or removed immediately Account : XXXX XXXX XXXX Check report from Identity theft as well in attachment Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2021 I entered the XXXX XXXX  store to purchase a few items I tried to use my bank of America debit card to complete the purchase my card was declined after two attempts i tried logging into my mobile banking app and could not access the account a message came up stating my account was blocked and I needed to call the number provided on the screen I immediately called the number and was told by bank of America representative that my account had been closed due to breech of contract I asked how did I breech the contract and was told that information can not be disclosed to me the account holder also I have XXXX in the closed account and can not access my money and with the pandemic and I was just recently a victim of XXXX  XXXX and currently receiving service due to the XXXX XXXXXXXX that is all the money I have leaving me penniless as iam also displaced from my home due to the XXXX XXXXXXXX I have been an account holder with bank of America for 9 years and without a email a phone call or nothing pertaining to the decision to close my account and a reason why and also because I have no knowledge of why the account was closed it is my belief this closer will effect my ability to open an account with another financial institution I have done absolutely nothing with my account other than normal activity and I went into bank of America after I was told over the phone that the reason for the account closure could not be disclosed I met with a banker who pulled up my account and it showed no problems with my account and or purchases and I was still refused to be given answers or reasons for the closure by the banker and i was also told I could never open another account with bank of America with no explanation as to why
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$22000.00}.
Product: Debt collection

This company has consistently been contacting my friends cell phones. Disgusting my deck, and today my friend reached out, asking me who are you owing money to because some lady just called me and discussed your entire finances.

After speaking to the lady had manager advisor, why are you contacting people that have nothing to do with my debt. 

She on a recorded line, admitted that I am not XXXX and whoever the other person Is that shes talking to is not me she discussed my dip with third-party people over and over again I have advise them to reach out and ask for FTC regulations . Not only did she discuss my debt with an associate, but also kept threatening to obtain the new living address of me.

Incorrect information threatening on the phone, discussing my debt with third-party people. She has already broken the regulation set out for phone and collection companies.

invalid due to incorrect information.
Product: Credit reporting or other personal consumer reports

After checking my Experian, XXXX and XXXX credit report on XXXX, I noticed some hard inquiries that do not have permissible purpose according to 15 USC 1681b I wish to have the following inquiries removed from my report : 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, 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. The CFPBs 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

They had 30 days to investigate the dispute. The 30 days are over so therefore they have to delete the information BY LAW.
Product: Mortgage

I am awaiting a response regarding my mortgage interest payment reported to IRS for tax year XXXX and additional information regarding interest from Shellpoint Mortgage Servicing, A Division of NewRez, LLC on behalf of note owner XXXX XXXX XXXX XXXX as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # XXXX and XX/XX/XXXX, See Exhibit # XXXX, from Shellpoint Mortgage Servicing, A Division of NewRez LLC of XXXX SC, on behalf of note owner XXXX XXXX XXXX XXXX. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from Shellpoint Mortgage Service, A Division of NewRez LLC of XXXX, MI on behalf of XXXX XXXX XXXX XXXX, the noteholder, with both letters stating, " we are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to Loan # XXXX for property XXXX XXXX XXXX, XXXX MD XXXX : 1. What is the date that Shellpoint Mortgage Servicing sent the original IRS Form 1098 for XXXX to IRS? 

2. What is the date that Shellpoint Mortgage Servicing sent the corrected IRS Form 1098 for XXXX to IRS? 

3. What is the date that Shellpoint Mortgage Servicing sent the original IRS Form 1099-INT for XXXX  to IRS? 

4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months showing? 

5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that Shellpoint Mortgage Servicing has on record for me with NewRez, LLC as the third-party requestor? 

XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that Shellpoint Mortgage Servicing has on record for me with Shellpoint Mortgage Servicing as the third-party requestor? 

7. What is the name of the contact person at Shellpoint Mortgage Servicing and NewRez, LLC for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 

XXXX. What is the name of the contact person at XXXX XXXX XXXX XXXX, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 

XXXX. Where are the copies of any documents with Shellpoint Mortgage Servicing and NewRez, LLC that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?
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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for such violations
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look at my consumer report, I observed that I have 2 late payments on an account that I was never late for. Consumer reporting agencies have a vital role in responsibility for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account XXXX XXXXXXXX. Please investigate and provide proof with statements proving when this delinquency commerce or any other documents proving that these payments were late. If proof can not be provided ; I demand these payments be updated to ON TIME as they should be as I was never late. 

According to the FCRA 15 U.S. code 1681 e consumer law, the maximum accuracy and methods of verification should be provided to me as it is my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX