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

Last month my Apple/Goldman Sach card didnt do the autopay correctly - and I got charged a interest fee I called in, fixed it, and asked them to waive fee and paid what they said I needed to pay. 

Then this month I paid in full early. But still got an interest charge. 

I contacted them and they said oh you didnt pay on full last month I reminded them that was Apple/Goldman Sach error XXXX 

They just kept saying you didnt pay in full las t month so this month even though I paid in full they are charging interest. 

They wont refund this month or fully refund last month. 

What card requires 2 months if paying in full to wait interest for the current month?!?!? 

Again. I setup autopay from my account. They made a mistake. I tried to fix it but they didnt fully refund it. Then this month I confirmed I paid in full but still got charged interest again. 

I think this is Apple scamming into getting interest charges they do not deserve
Product: Credit reporting or other personal consumer reports

Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed XXXX  does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The XXXX  collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once XXXX advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. All three had updated my file to reflect the correct balance however when I checked my report with Equifax today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as XXXX supporting my identity theft claim. As per XXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with XXXX for my leased 2020 XXXX XXXX. XXXX has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score. 

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, XXXX is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws. 

My bankruptcy attorney attempted to resolve the issue with XXXX, through both fax and email but XXXX has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, Equifax, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( Equifax ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX
Product: Debt collection

I've tried reaching out three times with no response I specifically asked for the collection letter to be sent so that's I would be able to confirm and make payment by mail, I have not yet to receive any paper by mail.
Product: Credit card or prepaid card

On ~XX/XX/2018, I was trying to make a small purchase on XXXX, in the amount of {$14.00}. I proceeded to make my payment as Ive done many times in the past. My payment option is set up through PayPal, which pulls funds directly from my checking account. I had not purchased anything from XXXX in several months, and while going through the checkout process, I was asked to update my information. I believe an old address was listed, so I updated that ( and maybe a phone # as well ). Typical info that would be needed for purchases. I did not provide my social, my salary or anything thats typically captured during a credit application and in NO WAY did I believe I was applying for a credit line. The next thing I knew, the {$14.00} was added to a PayPal credit line that I was tricked into opening. I contacted PayPal right away. I believe the customer service rep blocked my line, but it couldnt be fully closed until I paid the balance due, and I couldnt pay the balance until my statement dropped ( something along that line ). I was then instructed to wait for an email, alerting me of the amount due and to call back and pay the balance off. So a month+ later, I received the email and had to waste more time calling, paying my balance and then closing the account. 

Now today, XX/XX/2018, I received another letter regarding this credit line, advising that my credit account moved from XXXX XXXX XXXX to XXXX XXXX. Not only have I NEVER heard of these financial institutions, but Im unclear why I would be receiving such a notification if my account was closed and who knows what kind of personal info these banks have on me. 

Im furious that this occurred. PayPal has wasted time I dont have, violated my trust and took advantage of the payment process to trick me. This was incredibly deceptive, to say the least.
Product: Checking or savings account

I am unable to access my funds with the American Express Serve Acct. since XX/XX/2018. I was advised to cancel my card. Upon doing so I was also advised that i could pick up another card at the store to link it to my already opened verified full service use acct to have access to my acct. Now I have not received my card yet and have checked everyday since mon XX/XX/2018. I have been on the phone at least 5 times and talked with only 1 supervisor as one hung up on me before saying hello and have been hung up on by a couple other different reps for reasons I can not understand. I could if I was rude or degrading or offensive or cursing and threatening but I was loud and angry maybe but none of the others above. I am given no opinion for accessing my money. I even asked them to cover the overnight cost but was told no. I have a very awful divorce from an abusive man and I have court and need the last of my funds to my name for gas or he gets everything. I do not think it's right to be told no I can not access my cash I put on my card in an acct i opted to have with them. How can a company withhold me from my money. It's not a check pending or a credit card for cash advance it's a checking acct with a debit card. How can they tell me no I cant have my money. I cant even send cash to myself for a fee. So I even tried opening a new acct since I could link the card I bought and loaded with more cash per their advisement and I cant transfer it. I cant even close one acct and have the money deposited into my other American Express serve acct cuz it's in my name. I then got charged my monthly maintenance fee though I can not use the acct and they would not refund that either. I'm disgusted. I'm disappointed that a company like this is going to keep me from my cash deposited funds.
Product: Checking or savings account

So this is now my second time filing complaint regarding the situation of unauthorized transactions that keeps occurring with my checking account starting XX/XX/XXXX till the XXXXXXXX XXXX XXXX, and so how does Wells Fargo want to proceed to addressing this they proceeded to closing my check and saving account. I was contacted by the agent who was working on this case. He supposedly talked to the merchant, which is XXXX  and that apparently it was deposited the funds into my account or by someone authorize to which is false Ive submitted a screenshot of when I spoke to XXXX, and they said that none of this was deposited to an account of mines. It was deposited into some other account and they the merchant XXXX  even said for me to reach out to my bank XXXX, if you have transactions from your account, you should contact your bank entity. I do not see any transaction since XXXX XXXX and I did so this is the route that the bank is going instead of addressing this properly. Agent proceeded to say that I have filed one too many disputes, which quite frankly did not sit right with me where if there is a transaction that is not authorized by me, nor something that I did, why would one not dispute it it was quite frustrating when he did say that, and then proceeded to inform me that XXXX be closing the accounts. They went ahead and closed my account! Wells Fargo does not have the best reputation. I still did give them a chance however, this just does not seem correct on how they want to proceed. And since now that they are going to proceed to close my account, they put restrictions preventing my direct deposit from work to get here as of today Im back up on my bills because of the unauthorized transactions and now my check that was supposed to come in for this week is being blocked and I might now have to wait another week or so to get a paper check And the penalties on late rent, phone bill, electric bill theres just so much thats piling up because of Wells Fargo pretty much putting me in a deeper hole than one can imagine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XX/XX/year> I sent a letter to LVNV LLC via certified asking for a wet signature proving that I have an agreement with LVNV LLC to collect a debt from me within 30 days in receipt of the letter. I have not received any proof or have not received a wet signature from LVNV LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is not an issue with closing an account, per se, but the form didn't have a more applicable option. 

In XX/XX/XXXX, I submitted a complaint with the CFPB ( case number XXXX ) because Bank of America was emailing me with information about another customer 's bank accounts. Over a year later, and after numerous direct complaints, they continue sending me emails about that customer 's bank accounts. My name is XXXX XXXX, and I regularly get emails addressed to XXXX. In the most recent email sent on XX/XX/XXXX, I see that XXXX recently had a customer service call with XXXX at Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is no longer mine.. Please provide me the information needed and investigate all the history reported on this account It is absolutely inaccurate. You do not have any information to verify means this is unverifiable, and FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Product: Checking or savings account

This is an issue with the bank of the west. I have business account with them. 
I made a deposit of {$5600.00} check on XX/XX/2020. There was no hold placed on the deposit. The funds were available the next morning on XX/XX/2020. 
As funds were available, I issued 2-3 checks but then by mid day, the bank put a hold on this deposit. I called my branch to find out what happened. They said it was their back office that placed hold. They were suspecting an early warning on insufficient funds from the other bank. 
In the process, I incurred 3 NSF fees as the checks I issued were bounced. 
I have talked to my branch 6 times already about why was the hold placed if funds were collected. Today, its been a week and funds are still not released. The check maker states that funds were drawn out of their bank the same night I made the deposit to my bank. 
I have called the telephone banking of bank of the west but they couldnt do anything about the hold. The notice I received in the mail doesnt state any date the hold will be released. This is misleading to the consumer ( me ) and in the consequence I have suffered penalties, bad reputation and stress.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

I HAVE NOT HAD ACCESS TO MY MONEY SINCE XXXX/XXXX/15 WITH RUSHCARD. I CA N'T GET GROCERIES, PAY BILLS OR MOVE. THEY KEEP SAYING THEIR FIXING IT BUT NOTHING HAS HAPPENED BUT FALSE PROMISES. LONG WAIT HOURS ON THE PHONE, THEN LINE HANGS UP AFTER WAITING FOREVER. THEY CLAIM TO CALL YOU TO HELP YOU WITH THE PROBLEM BUT NOTHING YET. IM FRUSTRATED AND CRIED OUT WITH THIS PROBLEM. THIS CA N'T BE FAIR.
Product: Checking or savings account

Dispute ID # XXXX CHIME VIOLATION OF REGULATION E REGARDING 10 DAY DISPUTE INVESTIGATION I am reaching out regarding chime investigation team process regarding a dispute where I was wrongfully charged on my chime card when I paid another way. It is passed the 10 day mark as of today, as I was informed by a rep that if they cant resolve the matter within 10 days I will be issued a refund this is also backed by banking law. I supplied the required documentation of the receipt that was emailed to me directly from XXXX because I no longer had the paper receipt unfortunately. 

I contacted chime customer support regarding a charge of {$500.00} at my local XXXX. I expressed to the customer support team that I did visit this XXXX location & I did pay {$500.00} but in CASH. I expressed to them that I shouldve never been charged on my card when I paid that amount in cash, to where they asked me to submit supporting documentation ( my receipt ) for proof to help get my money refunded. I submitted a copy of receipt that I received from XXXX corporate because I contacted them as well and theyre well aware of what has transpired, the receipt shows clear as day my way of paying for the transaction was in CASH. I have contacted chime support asking what is the hold up I showed proof that I paid in cash, and basically I havent received any answers as to the lack of urgency chime investigation team has shown to my concerns. 

I will also attach proof of receipt within this email. Hopefully to be refunded the amount of money I was wrongfully charged on my card. Please and thank you. 

I am wanting to get this matter resolved rather than taking legal alternatives but if legal alternatives is the only option for my concerns to be resolved, I will take that route. This is my umpteenth time attempting to contact CHIME with no response or explanation which is very derogatory. Which is why I am filing this complaint with the CFPB.
Product: Mortgage

From XX/XX/XXXX I have been waiting on a background check for a new job therefore causing me to lose income for 2 months .I have made arrangements with Suntrust bank multiple times and being recorded. I made payment on XXXX and intend to make payment on XX/XX/XXXX, and on XX/XX/XXXX bringing the account current. Each of payments are XXXX have been called repeatedly for total amount of times totaling 22 times since may.Each time I have explained and given a time for each payment bringing this debt current.This has been nothing more than harassment, pressure and corrosion.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible nor did I consent for the inquiries listed below as I have been a victim of identity theft. PLEASE BLOCK ALL THE INQUIRIES LISTED ON THIS POLICE REPORT BECAUSE THEY ARE NOT MINE. I'VE BEEN A VICTIM OF REAL NAME ID FRAUD AND IDENTITY THEFT. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED. 
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

I am submitting a complaint regarding incorrect negative information on my Experian credit report. Despite multiple disputes, Experian continues to report a bankruptcy filing from XX/XX/XXXX, reference # XXXX that does not belong to me. 

This false bankruptcy information is severely impacting my credit score and ability to obtain credit. I have contacted Experian multiple times to dispute this incorrect information, most recently on XX/XX/XXXX, but they have failed to adequately investigate and remove it from my report. 

Experian claims they verified this bankruptcy information with XXXX. However, when I contacted XXXX, they stated they had no bankruptcy records for me at all. Additionally, the court of Maryland confirmed they do not report bankruptcies to credit bureaus. 

I have provided Experian with all relevant information to prove this bankruptcy filing is fraudulent, including my full legal name, SSN, current and previous addresses, and statement that I have never filed for bankruptcy. However, they refuse to remove this damaging information from my credit file. 

I am requesting that the CFPB assist me in getting Experian to properly investigate this fraudulent bankruptcy listing by contacting the courts and getting confirmation directly from them, and permanently delete it from my credit report, as well as any other necessary remedies to restore my credit score from this false information they are reporting.
Product: Credit card or prepaid card

On XX/XX/22 I received a declination notice in the mail from Bank of America. I called them and reported that I had not applied for anything from Bank of America. They said to contact XXXX of the XXXX XXXX I contacted XXXX. They put a fraud alert on my report and I ordered a credit report. When I received the credit report I again called XXXX. they said to report the fraud to local law enforcement or FTC. I am reporting to FTC. They also told me to call Bank of America again. I did and Bank of America told me it was a cash credit line of {$2800.00}. They of course closed the account with the reason why. I spoke with XXXX in the fraud dept and he is sending some info to me. Again, I did not apply for anything with Bank of America and have never held any type of account with them. Also the letter Bank of America sent had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX address up in the corner. I have never had any dealings with them as well.
Product: Credit reporting or other personal consumer reports

I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry on my credit reporKindly block and remove the inaccurate accounts appearing on my credit report. This needs to be addressed immediately.t.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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