23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/19 I applied for the Apple Card, based upon information from Apple employees that I would be able to finance an XXXX on Apple Card Installments by the end of the year. I decided to open the Apple Card, instead of applying for their 0 % XXXX loan/card to finance the phone. 

XX/XX/19 Apple Card Installments was announced on Apples website officially. There was nothing detailing that you would not be able to use this feature if you purchased a sim-free phone. 

XX/XX/19 I purchased the phone with my Apple Card. I was unable to purchase it using installments. 

XX/XX/19 I spoke to an Apple Card advisor via text who stated that I would return and repurchase the phone, order to get the 0 % financing, and that it shouldnt be an issue. 

XX/XX/19 I went to an Apple store to try to re-purchase the phone under the installment plan ( per an Apple Card advisor ), and was told that I could not use this feature unless I purchased the phone through a phone carrier ( such as XXXX XXXX XXXX ). I dont live in the USA full-time and can not be tied to a phone carrier, so this was not an option for me. 

Also, as of this date there is nothing listed on their website that you need to purchase through a carrier. As such, this is false/misleading advertisement. 

I spoke with several Apple advisors to confirm this policy. 

If I had known that I would have had to purchase through a carrier in order to use Apple Card Installments I would never have opened up the Apple Card. I would have opened up the XXXX card instead for 0 % financing. But now, I am stuck Financing this phone at 12.45 % interest because I dont want to ding my credit by opening up a second credit card/account immediately after opening a new account. 

This is deceptive marketing at its finest.
Product: Consumer Loan

I paid my car loan off in XXXX of last year ( 2015 ) and I still have not received the title from GM Financial. That 's over 6 months. I paid XXXX payments on a 60 month loan and I feel I should have the title by now. I have received no communication from GM Financial about the loan since I paid it off. 
There was an issue with the XXXX payment. A couple of months after I sent the last payment to GM Financial I got a call from a nasty little girl telling me that my account was 81 days past due. Since I had made more payments than the loan called for and all of them had been made on time I believed her to be a scammer trying to steal money from me. I told her as much. She continued to attempt to get me to give her money but after talking for a few minutes she then changed her story and admitted to receiving the payment but lied and said the check had bounced. 
To make a long story short, the young woman had no suggestions as to how to rectify the situation except for me to give her money. All she offered to do was send me a list of payments. I already know every payment made to GM Financial so that was of no assistance. 
I came up with my own solution since the big bad poorly run financial services institution was incompetent and unable to run its business. I first checked with my bank to see what the story was with the check. They confirmed what I knew to be true, that the check had not bounced or otherwise been rejected for any reason. They did, however, tell me that the check had never even been presented for payment. 
My next step was to send a replacement check along with a letter explaining the situation. I took the steps to do this, on my own time and at expense to me personally. GM Financial actually rejected the delivery! So, once again, at the expense of my own money and a great deal of time I found another address for GM Financial and resent the letter and the check to the new address. This time the letter was accepted and the new check was cashed. 
I also received a letter from GM Financial indicating they received my inquiry and that they would look into it and get back to me. That was several months ago and I have received no communication from GM Financial since. 
I did check my credit report and it indicates that I made XXXX payments late, which is untrue, and that I still owe {$45.00}, which is also untrue. 
I need GM Financial to fix the mis-reporting to credit bureaus and to provide me with my title. At this point I also feel I should receive some damages for my out of pocket expenses and the injury to me personally and reputationally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has been reported to have violated federal laws by using people 's personal identifiable information to open credit cards, open bank accounts, and to violate the laws regarding protection of personal privacy and personal data protections. 

As a result, I am not doing any business with them and I consider them to be a criminal institution. They have settled with the various regulatory bodies for amounts into the hundreds of millions, which does not negate their illegal actions. 

They have reported negative comments about my use of their credit, when in fact, I am refusing to do any business with them and am reporting them as violators of AML/Patriot Act for having created a potential abuse of laundering, which includes placing, layering and structuring of financial products. By creating credit cards for customers that did not open them, they have created a revenue opportunity for Wells Fargo when annual fees and interest rates are assessed, which the consumer did not knowingly agree to. This, in fact, is a form of abuse which reverses the traditional money laundering steps, but allows criminals to profit through illicit means which are violations of regulations and existing laws. 

As such, I will not engage in any business with such a deceitful organization and have decided to seek reimbursement from them. 

Yesterday, they called in response to a previous complain, but would only engage in conversation if they recorded the conversation. When I stated that I too would record the conversation, they refused to discuss any further, and hence as a result, they never actually made any effective attempt to resolve the issue and actually simply abused the CFPB system and attempted to circumvent the process of correcting their abuse. 

By only being willing to talk to me if they could tap record the call, but not being willing to talk if I did the same, they created a hostile and unfair practice that was intended to be one sided and to use the threat of recording the conversation as a weapon against a fair approach to resolving the issue of their abuses of the financial system. 

Their actions should be reviewed by upper management regulators, and as such I will forward the information to the highest levels of management and media review. I will not engage in any further business relations with this organization due to their abusive practices which violated the laws and regulations as they pertain to protecting customer data, private information, and rules written in the AML/Patriot Act. They should be investigated further to find if the opening of credit cards and accounts created any money laundering opportunities, in addition to the executives benefiting and receiving bonuses and increased pay. Being a financial institution, they should be held to the highest level of scrutiny, and with these latest actions, they should be shut down and executives should be removed from any post within a financial organization permanently.
Product: Debt collection

I been fighting with them told them my account is not mine and asked for signed papers to show my signature they will not show them just sends other paperwork. I have also told them not to call my work number and not to call at all and they still do and harass me
Product: Credit reporting 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. 

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 and list of Inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several letters to Equifax disputing the errors on my account. 
I have also called & representatives claimed to start an investigation on these fraudulent errors also. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX {$1400.00} Balance updated XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$1300.00} Balance updated XX/XX/2020 These accounts do not belong to me. 
Please assist me on getting them removed, these fraudulent items are damaging my score and credibility.
Product: Credit reporting

Previously deleted inquiries were deleted then read dedicated without notification or validation XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Citizens Bank XXXX their checking account bonus on XX/XX/XXXX for {$300.00} with qualifying deposits. Then it was {$500.00} to open an account and maintain it for 90 days. I opened my checking account with more qualifying deposits and my payroll was also deposited every 2 weeks. The account is active and is full qualified to receive the bonus within 90 days of account opening. I called the bank nand spoke to the representative, they told me i am qualified to get the bonus and will soon deposit it within a week. But they never did. I called again, i spoke to XXXX on XX/XX/XXXX. She told me i will hear back from them within 48 hours but never. So i have to make a complain.
Product: Credit card

During the national COVID Pandemic, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX
Product: Mortgage

XXXX XXXX had sold my loan to PNC Mortgage in XXXX. I have made numerous calls to PNC Mortgage in regards to why I had an escrow amount and then an increase in my monthly payment. All PCN customer service reps said it was due to a home owners insurance issue and that it would be resolved. My last phone call to PNC, I was told that the reason that it was not resolved is because I needed to contact XXXX XXXXXXXX because XXXX XXXX added gap insurance to my loan when sold. PNC said that XXXX XXXX needed to correct the insurance error and notify PCN. This is the only way to clear any escrow amounts/increase in my PNC mortgage payments. The two insurance policies documentation were provided to PNC and XXXX showing that there was never a gap in insurance. Both mortgage companies have told me they could not resolve. 

XXXX XXXX LOAN NUMBER : # XXXX PNC Bank LOAN NUMBER : # XXXX XXXX XXXX
Product: Debt collection

I am requesting the assignment contract. I am requesting Validation, made pursuant to the Fair Credit Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and unauthorized inquiries have been added to my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Midland Credit Management sent abusive letter to sue on around XX/XX/2022 via USPS. I do not have an account with Midland Credit Management. Company is telling consumer that {$820.00} is owed to them and that they are the owner of the account. I have not verbally nor have written any agreements with this company. 

I responded to Midland via Certified Mail. Letter was created to Midland and they received certified mail on XX/XX/2022 asking to verify the account. Also, a Lawful Notice of Demand to respond was sent after the first letter. As of today, no response from Midland has been received for the account XXXX. 

I am unsure as to how they received contact information and has abused me with their letter. I have and am requesting the original contract with this company.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that XXXX XXXX reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with XXXX was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted XXXX to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within XXXX, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.
Product: Mortgage

My wife and I moved into a Family 's home that was larger. We rented out my home at XXXX XXXX XXXX, XXXX XXXX Ga. XXXX. The rental tenant skipped out and trashed the home. We tried to short sale the property and the bank declined the offers. I tried to do a deed in lieu and they did not do that. They started the foreclosure property 3 years ago. They even changed the lock and winterized the home. Two years went buy and they never foreclosed. I filed bankruptcy on this last year. They still have not foreclosed. They have been paying the property taxes and insurance yet the home is still in my name. I called FHA resources and he stated their is no claim on my XXXX report of where Bankruptcy was started therefore they illegally changed the locks on the home since it is not in Bankruptcy and still in my name. I do not want the home back, I want them to foreclose on it like we agreed 3 years ago so I can re establish credit and buy again in the future. Furthermore this home is getting vandalized and people are doing drugs in it. I contacted the police as I see it unsafe for the neighbors and children out playing, he stated that they have contacted the bank regarding theses issues at the property as well and they do not bother to board the home up or do anything to prevent this from occurring. I feel it is unfair they have changed the locks and started the bankruptcy process over 3 years ago yet have not reported it to FHA so it can begin to give me a clear XXXX report. Again, the address is XXXX XXXX XXXX, XXXX XXXX Ga. XXXX
Product: Checking or savings account

Opened a new account ( Checking/Savings ) consumer with Bank of America based on a promotion that stated we were eligible for a {$300.00} Promotion when using ACH. Other terms applied. We called a BOA center. The account was opened " online '' via the call. We then proceeded to a branch to validate our identity ( we, being Husband/Wife ). I have now called on numerous occasions and have visited the branch twice. We have not received the promotion. We have been told it is due to a missing targeted code on the account. However, when we opened the account this was not discussed and we were assured we would be receiving the bonus offer. The offer is available on their website here : XXXX XXXX XXXXXXXX We have also noticed that there is now another offer here : XXXX XXXX  XXXX
Product: Credit card

I HAVE BEEN DISPUTING XXXX XXXX BUSINESS XXXX ACCT ENDING IN XXXX WITH XXXX XXXX FRAUD DEPT XXXX ID # XXXX PHONE # XXXX EX XXXX - ON XX/XX/XXXX HE INFORMED ME THAT A BALANCE TRANSFER FROM THIS FRAUD XXXX XXXX BUSINESS XXXX ON XX/XX/XXXX {$4100.00} WAS PAID TO AN AMERICAN EXPRESS ACCT ENDING IN XXXX IN MY NAME. I CONTACTED AMERICAN EXPRESS AND WAS INFORMED THAT AN ACCOUNT WAS NOT OPENED IN MY NAME AS THE CARDHOLDER - BUT AS AN ADDITONAL CARD. I REPORTED THIS AS FRAUD. I NEVER KNOWINGLY APPLIED OR ASKED TO BE ADDED AS AN ADDIONAL CARD HOLDER. THIS NEW INFORMATION IS NOW UNDER INVESTIGATION.
Product: Credit reporting or other personal consumer reports

I have no association with these creditors or accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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: Credit reporting or other personal consumer reports

XXXX IS REPORTING AN ACCOUNT XXXX XXXX XXXX ON MY CREDIT FILE THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME I HAVE SENT THE DELETION LETTER TO THEM MULTIPLE TIMES, AND THEY HAVE NOT REMOVED THIS ACCOUNT AND RESOLVED THIS ISSUE LETTER FOR REMOVAL BELOW Your Inquiry to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Services To : You XXXX XXXX XXXX XXXX Thank you. I look forward to hearing from you. 

Thank you. I appreciate your help. 

I look forward to your response. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the XXXX XXXX XXXX XXXX XXXX and leadership members at XXXX. To ensure your concerns are adequately addressed, I've forwarded your email to me within the XXXX XXXX XXXX XXXX XXXX at XXXX. 



After our investigation, we found that this account and balance do not belong to you. You were a victim of the XXXX Equifax data Breach, and this account was established due to that data breach. We will request that the XXXX major credit bureaus delete this record. 



If you have any questions or want additional information, please call me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.
Product: Debt collection

I just wrote paragraphs of everything tht has happened to me and is a little better but my XXXX  are XXXX  XXXX in XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I had XXXX XXXX ( emergency ) XXXX XXXX cuz I was XXXX XXXX again frm XXXX much fluid building on my brain a XXXX XXXX was placed but also it had XXXX XXXX XXXX recall on it thts made my life worse including both XXXX. I was declared incompetent & my father was my payee for a while until I started to learn all over & was told I wld never work again. I have had home health agencies since then. I have a state brain waiver but now I'm not declared incompetent they just push for one of my family to be over me. All this is documented can be confirmed & I will now just wait to die. Another one of identity theft recovery just ended again last month. I have been scammed & not understood, I have been told & shown my info was on the Dark Web which I know nothing about except it's a bad place to be. I can barely handle XXXX XXXX XXXX let alone anything past tht. But i.didn do this but if it is still insisted I pay I can't pay more than XXXX XXXX a month due to my income of social security XXXX. U can get or have any document I have to explain my whole condition & I still have XXXX XXXX XXXX  a week XXXX a day.
Product: Mortgage

XX/XX/XXXX Reply to WF COMPLAINT ID XXXX XXXX, please review the recorded Agreement ( of XXXX ) between Well Fargo Bank NA and me, copy attached. I have requested may times for you to how me where my agreement does not refer to a granted 10-day grace period. If you are allowed to not grant this 10-day grace period to me then why is it written in my Agreement. I make my payments each month, do not skip a payment or make my payment late ; however, my monthly statements keep asking me to make two payments and is showing that I have not made the current payment. Also, you keep referring to my statement as to how you are determining the process of each monthly payment and deciding to send out the monthly statement five days after the due date instead of on the eleventh day after the due date, so the 10-day grace period reflects as it has been granted on the statement. You should not refer to my statement as your guidelines for processing my payment, you should be referring to my Agreement only! The statement is not an agreement! Please explain! Also, stop wasting your money on sending me hundreds of copies of my history of payments statements as you are totaling wasting your time and money.