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

My Apple credit card with Goldman was charged for something I did not buy. There were two charges from the same company. XXXX for {$5.00} and another for {$67.00}. I contacted Apple Card support to report the fraud charges and the immediately adjusted the balance for the {$5.00}. Then I was sent emails stating that the issue was resolved. They did not do a balance adjustment for the {$67.00} but I got an email stating this was resolved because You decided not to dispute the transaction which I did not agree to. I called a somehow got an agent that told me it will take two months to investigate the charges. I asked about the email they sent stating that I decided not to dispute the charges and she said it will take two months to investigate the charge. Now I get no response from Apple Card support. Please help with this issue and force apple support to do its job.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Transunion. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account Name : XXXX  XXXX Account number : XXXX Late payment reported : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, 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 Account # XXXX, XXXX XXXX XXXXXXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Mortgage

We had a home mortgage through  XXXX   XXXX  that allowed us to pay the loan off a head of time without penalty. We put additional money to the payment to have the loan paid off in  XXXX  instead of  XXXX . At the end of  XXXX   XXXX  sold our mortgage load to a company calle d Select Portfolio Servicing , Inc  out of  XXXX   XXXX   XXXX , Utah. In the letter  XXXX  said Nothing about our mortgage load will change.     We sent our first payment t o SPS, Inc o n  XXXX   XXXX . A little while later we check and saw the the check had been cashed. They never sent us a statement on how the money was disbursed. After contacting  SPS  customer service, they sent us the breakdown. The total payment was being held in a thing called unapplied payments because our account was paid up to date until  XXXX  of  XXXX . Upon talkin g to SPS as to w hy, they said they are reviewing it. All we want is the same procedure that  XXXX  was doing with are payments.   Ta king out Principle, Interest, and the add itional principle that we send monthly.     We set up online payments with this company and was told we did it properly. but on  XXXX   XXXX  we tried to do our payment online and was told we were ineligible.   Called SPS back the account is still under review. It just seems like we ca n't get a straight answer.
Product: Money transfer, virtual currency, or money service

I sent certified Cashier 's checks to Bank of America three different times ; each to a different account number, but supposedly for the same service, in order to get a package mailed from XXXX back to the United States. 
On XX/XX/2019 I sent {$17000.00} to XXXX XXXX, XXXX from XXXX XXXX XXXX, XXXX, Texas, to Bank of America Acct. XXXX. 
A second payment, supposedly for insurance, for {$38000.00}, was sent on XX/XX/2019, to XXXX XXXX XXXX XXXX , XXXX at Bank of America Acct. XXXX. 
Finally, a second Insurance payment of {$100000.00} was sent to XXXX XXXX XXXX, Bank of America acct. XXXX on XX/XX/2019. The XXXX XXXX  XXXX listed an address of XXXX XXXX XXXX, XXXX, Tx XXXX as their business address. This last check was also sent from my personal account at XXXX XXXX XXXX XXXX XXXX, where the first two checks came from XXXX XXXX XXXX. 
Per your instructions, I am not providing my personal information, although you will see some of it on the copies I send with this complaint. 
Just as soon as I realized this was a complete scam to take my money, I went to Bank of America to try to recover what we could and see if there was any way to get the payments reversed and the money returned. 
Up to this point, nothing has been reversed nor have I been able to find out much information as to what will happen. An employee there told me he used to work with the CFPB, and that I should file here as well. 
I am attaching copies of the transactions that took place. Please try to get these money transactions reversed and at least some of the money returned, as this is my entire life 's savings. Thank you very much for your attention to this matter.
Product: Mortgage

BANK OF AMERICA/BAC loans and XXXX XXXX under all known subsidiaries plus with the aid of government resources plus bankruptcy fraud used my property and my identity on property loans that have continued to force my property into fictitious foreclosures that are not investigated by any oversight. 

BAC LOANS with dozens of individuals did participate in loans schemes without my knowledge and outside of regulations of SEC for no less than one decade. 

Bank of America to Pay {$16.00} Billion in Historic Justice Department Settlement for Financial Fraud Leading up to and During the Financial Crisis BAC LOANS with Countrywide have been investigated, sanctioned and fined for all types of violations under financial fictitious loans schemes, and consumer frauds. 

Bank of America BAC has been hit with substantial financial penalties that amount to {$250.00} XXXX. 

CFPB Fines XXXX XXXX  {$37.00} XXXX for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customers The bank pressured employees to sell, leading them to access credit reports and open accounts without permission XX/XX/XXXX  This includes {$100.00} XXXX in customer reimbursements and {$150.00} XXXX in fines due to a trio of unsavory practices involving overdraft fees, withholding credit card rewards and opening unauthorized accounts.6 days ago Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX  must make harmed customers whole and pay a {$37.00} XXXX penalty.
Product: Checking or savings account

First, I want to start by saying this has been the biggest nightmare trying to resolve the issue and get my finances and life back on track as far as opening a new bank account & defending my position through all of this. Along with being wrongfully accused and having no answers up until this point of reading articles about this case with Bank of America. 

The first letter received from XXXX XXXX in reference to my account closure was on XX/XX/XXXX, XXXX To sum everything up XXXX XXXX received a FRAUD claim from Bank Of America regarding multiple deposits from unemployment insurance ( XXXX ) all issued in my name and finally settled on seizing {$5300.00} from my checking account. They froze both of my accounts at the time during investigation for the duration of 14 days as well as my savings account and my grandparents whom I was listed as a beneficiary on. They then decided that all of our accounts were to be closed indefinitely all while any automatic deposits being made to the accounts would be frozen-as well and any funds, checks included- would bounce.. in which they did. 

XXXX XXXX nor South Carolina Unemployment - could not provide me with any information as to why this was happening or even who submitted the fraudulent claim as once an account is marked as fraudulent its out of their hands and could only tell me the claim was made by Bank of America, that the XXXX deposits were unauthorized and to contact SC DEW ( unemployment ) department directly. SC DEW department also had no answers for me as my account was always in good standing and they hadnt heard of anyone experiencing this- to the point they even suggested I be sure it was in fact XXXX XXXX contacting me and not a scam. 

In conclusion, XXXX XXXX closed all of the accounts and sent my grandparents a cashiers check with a letter of final closure as well as myself with a closure letter and notice of the final amount of {$5300.00} being seized and sent to Loss Prevention Closing Entry I even had to pay taxes on the full unemployment amount due to not having evidence it was in fact seized on behalf of SC DEW.
Product: Credit reporting, credit repair services, or other personal consumer reports

got an alert from XXXX stating that a company used my social security to take a loan out. I have not asked or go to any loan company to ask for a loan i believe the TransUnion pulled the inquiry from a company call XXXX  we been trying to resolve this issue since XXXX.
Product: Credit card or prepaid card

I have star credit card and i had a90 days late payment, becouse the star credit card company did not send ne a paper bill or reminder in timely manner, they contacted me only when paiment was alredy late, i tryed to explain that i was not inrolled into online banking at that time and had no way to make a paiment and never recived a paper statment. i had disputed this matter earlier this year but they said everything is correct on my credit report, could you please help me in this situation, as i am making all my paiments on time and this reallu affect my credit. it happend in the begging of the year XXXX. i was trying refinancing this year and to pay ogg my debt but this matter was an abstacle to that. Thank you
Product: Debt collection

I had tried to get XXXX and XXXX to remove the account from Portfolio Recovery from my credit file. The reports says that the account is from XXXX bank. It was FRAUD and has been reported as such
Product: Mortgage

On XXXX/XXXX/16, we sold our primary residence and paid off XXXX our XXXX mortgage with XXXX and our XXXX mortgage ( HELOC ) with Bank of America. Both payoffs were made via federal wire transfers. 
The payoff of the XXXX mortgage was promptly reported by XXXX to the Credit Reporting Agencies ( CRAs ). However, the payoff of the XXXX mortgage HELOC has not yet been reported to the CRAs by Bank of America. 
When I called Bank of America and asked them why this payoff had not yet been reported to the agencies, I was told that it will not be reported until XXXX XXXX, 2016 in accordance with Bank of America 's policy ... that I have to wait until the next " interest payment statement calculation '' before this XXXX loan payoff will be reported. 
This means that it will take nearly 30 days after the payoff date for Bank of America to report this loan payoff, and likely even longer before the CRAs update my credit report and XXXX score. 
This is damaging to my XXXX score, because the CRAs treat a HELOC loan as if it were a credit card for purposes of their scoring models, rather than as a XXXX mortgage secured by real estate. That is unconscionable, in my opinion, and I hope that someone brings legal action against the CRAs for that practice. 
That CRA practice aside, why should anyone have to wait for 30 days for Bank of America to report that the HELOC has been repaid in full and that the account is closed? 
I can no longer borrow on that XXXX as it has been closed, yet Bank of America is preventing my loan balance, financial condition and credit score from being accurately reflected. This is unfair treatment by Bank of America of every consumer who pays off a HELOC loan.
Product: Credit reporting

I noticed a new address was reported to my Equifax credit account. My address is the same in XXXX, NJ and the name does not match also. My name does not have an XXXX in the end of my first name.
Product: Checking or savings account

My brother died on XXXX. We notified Citibank estate services where he had a checking and savings account. They gave us instructions and documents that we had to fill out and notarize. We ( my cousin is also a trustee ) were told that everything was in order as of XXXX. They even returned the original death certificate to us in the beginning of XXXX. We have called them at least 6 times. Every time we have called since XXXX, we were told that the back office is working on it and everything is in order and we will get the funds within a few weeks. Today, XX/XX/24, we are were told that the back office needs more documentation to be notarized. 

In the meantime, the estate has a lot of creditors that are demanding their money and we need to file his income taxes as they are due in a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting the Peaks private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to Peaks by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. XXXX  keeps reporting the Peaks loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact Peaks again with no response to inquiry about my account. The Peaks website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.
Product: Debt collection

In XX/XX/2018 I received a call from a woman saying she worked for XXXX XXXX XXXX XXXX and she had all my information about an account of mine that was in collections. I agreed to allow them to take out {$120.00} from my checking account each month for 6 months until XX/XX/2018. I recently found out that the collection account has not been paid at all. I was scammed out of {$730.00} and can not get in touch with this so called XXXX XXXX. Please help me get my money back. 
-XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) take action under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to Section 605B ( 15 U.S.C. 1681c-2 ), to compel Experian to block fraudulent information appearing on my credit report within four business days of receipt of this complaint. Due to a data breach, my personal information has been compromised, leading to identity theft and the unauthorized opening of accounts in my name and without my knowledge or consent. I have no knowledge of or any association with these accounts, nor did I grant permission for any transactions related to them. These accounts are a direct result of identity theft and are fraudulent in nature. The Fraudulent accounts consist of loans opened at 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 The breach has caused considerable distress and inconvenience, impacting my financial reputation and causing harm to my credit report. Pursuant to FCRA Section 605B, I am formally requesting that the CFPB require Experian to immediately block and remove the fraudulent accounts and information from my credit report. The law clearly mandates that a consumer reporting agency must block such information within four business days upon receipt of a valid request. I have attached a copy of the FTC report, complaint number XXXX as proof from the US Federal Trade and Commission and other supporting documents. The presence of these fraudulent accounts is damaging my creditworthiness, and I urge immediate intervention to ensure that Experian complies with its obligations under FCRA Section 605B.
Product: Prepaid card

Won a contest and received a {$1000.00} Pre Paid American Express gift card, purchased one item through gift card, other items will not go through, it says my card couldnt be processed. As well as not being able to link gift card to my XXXX and XXXX accounts. I called into customer service today and told them about my situation but to no avail, I wasnt helped and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently seeking assistance in my investigation I am i victim of identity theft. When I turned XXXX I was seeking credit and was shocked to see a credit profile was already created and destroyed and now I have to out my dreams on hold of becoming a business owner because my credit is in shambles.
Product: Checking or savings account

Direct deposit delayed from XX/XX/XXXX Did not get an email about the outage until XXXX XXXX XXXX Still waiting for funds on XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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, have 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.