23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Context : I had an apple credit card and an apple saving account provided by goldman sachs bank. I set up autopay for my apple credit card using my apple saving account at the end of each month which is due date of my credit card payment. 

Timeline : XX/XX/XXXX I submitted autopay. I received it's completed and my apple wallet apple credit card shows no payment due. I paid full {$7500.00}. My apple saving account has {$80000.00} +. 
XX/XX/XXXX morning, I received notification from my apple saving account saying the {$7500.00} was declined. At the same moment, I was charged {$140.00} as interest charge of not being able to make full payment on due date. 

XX/XX/XXXX morning, I reached out to apple saving account team. They said they don't know why it got declined and not able to refund/waive my interest charge. Also, they informed me due to late payment my credit card was locked, and this also affected my saving account so that's also locked. This makes no sense to me. And they are not able to tell me why the transaction was declined at the first place since I have far more than enough fund in my saving account. 

After an hour phone call with the bank, I got no solution, no apology and no money back. 

I believe here goldman sachs bank is trying to earn interest charge from me by declining my payment and they don't wan na apologize or fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would just like my freeze removed from my Experian credit report
Product: Debt collection

XXXX XXXX Amount {$14000.00} Dispute provided police report of identity was stolen this account doesnt belong to me I requested this company to remove this debt off my report numerous of time.
Product: Credit card

Was charged {$590.00} on XXXX XXXX, 2015 for no reason by XXXX. I contacted them many times about this strange charge and was told many times that this would be taken care of. Received a recent statement stating that I still owe this amount. I 'm afraid of not paying because it will ruin my credit.
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 the violations.
Product: Debt collection

Reference number : XXXX I received a letter from TRS Recovery Services stating I owe a debt for writing a check that was returned for insufficient funds. I advised TRS that they have the wrong person and this is not my debt. They sent me a copy of the check. After reviewing the check, I am 100 % sure that they have the wrong person for the following reasons : 1 ) The checking account belongs to XXXX XXXX XXXX and my middle initial is not " XXXX  '' 2 ) The bank where the checking account is drawn is XXXX. I have never had any account at XXXX. The bank is located in XXXX, NY. 
3 ) There is a New York drivers license number written on top of the check. I have been a resident of New Jersey for over 30 years. I do not have nor would I have a driver 's license issued by New York state. Maybe TRS should send letters to XXXX XXXX XXXX  at the address printed on the check ( which looks like XXXX XXXX XXXX, NY ) instead of someone with ALMOST the same name but is not the account holder of the checking account at XXXX where the bounced check was presented. 

TRS is sending letters to the wrong person. It would appear that the XXXX XXXX responsible for the debt lives in New York, has a New York drivers license and has a checking account located in New York. I live in New Jersey, have a New Jersey driver 's license and my banking institution is in New Jersey.
Product: Debt collection

I have deragatory marks on my credit report that I am disputing because they are false. The amount of debt they are claiming I owe is {$1100.00} I have paid and continued to pay the direct physicians office on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted them directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.
Product: Student loan

Out of nowhere, I received a call from XXXX XXXX XXXX   staying I was defaulted on a loan from Navient.   I checked into my loan consolidation page for XXXX   and it shows I have a defaulted loan with Navient.  No details on this defaulted loan were provided.  I consolidated all my student loans in XX/XX/2016.  Nothing from Navient showed up during that time.  I called Navient and they cannot give me the year the loan is from.   Navient representative says it is eight loans, but my greatlakes website says two loans in default from Navient and refers me to talk to them.  All information provided has been inaccurate.  As far as I know all my student loans were consolidated back in XX/XX/2016 and I haven’t had an issue paying.   Definitely debating the validity of this since the information provided is shady and does not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623, subsection ( 8 ) (  D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, secti on 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.    1.   XXXX   XXXX  : This account I have never done business with this company error please delete.   2. XXXX  : This account has inaccurate info  629 vio lation please delete.    3.    XXXX   XXXX   : This is inaccurate in information no validation errors please delete.   4. XXXX  : This is not a valid account error. I do not recognize this company no proof of claim information please delete
Product: Credit card

this credit card company will take 8 days to apply a payment to my credit card after they know it 's been collected so that they can charge interest on the outstanding balance instead of applying the payment to the account right away they make you wait up to 8 days so that I can collect interest this is illegal and it 's wrong. I want to be compensated for the interest that they collected on a payment that was received and help for 8 days
Product: Checking or savings account

I called Moneylion to close the accounts opened with them in XX/XX/2019. I still received emails even after closing my account talking about my open accounts, to which I sent a note to customer service on XX/XX/19re-iterating to close my account. I was told that the emails were different from the accounts, and to unsubscribe to those as well, which I did on XX/XX/19. 

On XX/XX/2019, I received another email from Moneylion stating changes to account fees, even though my accounts are closed and I'm unsubscribed. I emailed support again, and received no response. I follow-up on XX/XX/2019, and received an automated email stating my support ticket was closed. 

I am extremely concerned that MoneyLion is not closing accounts, and not adhering to the CAN-SPAM act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX, XXXX XXXX and XXXX back in XX/XX/2023 and XX/XX/2023 let them know that this acct is no longer being disputed, and to remove it and delete it from reporting on my credit report. this is fraud as this account have already been paid, and by reporting it on my credit report hurting my credit score.it is now XX/XX/2023 and this negative items are negative impacting me directly with my XXXX XXXX and causing me to be denied loans.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have contacted XXXX  several times explaining to you that I am a victim of identity theft but you have not done anything to get this Fraud information removed from my credit report. Again I am submitting my request along with an identity theft report including the dates someone else used my information trying to open accounts in my name. I did not do this & I do not know who did this! I have never got anything from these places at all. Please delete these fraud inquires from my report.
Product: Mortgage

In XXXX of XXXX  I Missed my Payment to My Mortage. After i Missed my Payment. I was Never Contacted About the Missed payment, Until I Contacted The Mortgage Company My Self. ( ServiceMac , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl, SC XXXX ) Upon Contacting them I set Up a Forbearance Plan and It Went Good, the Second Month that i was able to Pay I called it in and gave my info to The Bank i was using When they Took the Information and Ran it they Said that it had gone through. so, i went the whole month going about my business now its the 3rd payment to my forbreance contract. Thats when Service Mac told me i miss my 2nd payment and that i has no choice but to come up with all the money that i was behind. i have so much equity in my house i should not be having this problem. So i went and Got the Amount they asked for Paid by new mexico renters association. and Service Mac Refused to Take Payment. They Stated that They Don't Contact Places to Get Payments. Also They Stated that they Had the Amount i Was Ordered TO Pay That I was To Receive the Letter Via Email. But Never Received It and When i Called to Ask Why I had not seen Received it. They Stated That The Foreclosure Letter Had Not been Drafted up. they Are Forcing me out of my house and There's nothing it seems that i can do please Help me
Product: Payday loan, title loan, or personal loan

I have made arrangements to repay a {$800.00} loan that includes high interest to {$2000.00}. I emailed CashNet USA this statement on X/XX/2017. Effective XXXX XXXX, 2017, I can begin repaying {$50.00} per month towards the debt of {$2000.00}.
Thank You!
These are the repayment terms that I can do because I am still unemployed.
Product: Credit reporting or other personal consumer reports

Called and was stated to file complaint with FTC. Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX  account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to National Credit Systems regarding a duplicate reporting error and asked for them to verify the debt with me. I sent this letter XX/XX/2021 by USPS. I have heard nothing from the company. They have made no attempt to contact me via mail, email, or telephone. Since it has been well over 30 days, I believe the account should be closed in order to avoid unfair credit reporting. The duplicate reporting of the same account adversely affected my scores for years and showed I owed more money in collections than I actually did. This cost me countless housing and vehicle financing opportunities.
Product: Credit card or prepaid card

I dont underdtand why my hotels credit card application is taking so long to process and get approved they first told me my freeze I lift it I have a fraud alert and they have t contacted me to finalize my application I shouldnt be treated like this and be approved
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. 

Account XXXX : XXXX XXXX Account XXXX : XXXX 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: Debt collection

They have called multiple times even after contact, sometimes XXXX to XXXX times a day. It is a debt from 2007 which is past the 7 year period. I have spoke to theit legal department and they refuse to give me an address where I can send a cease and desist letter via certified mail. XXXX man told me he will call my children 's children if that what it takes to collect as long as it takes. The state laws do n't apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported bankruptcys on my report with incurate info..Experian has listed case XXXX name of where documents were filed is different then what is in report... epacer shows filed with georgia northern district court... Experian shows us bankruptcy court ga XXXX XXXX. .a obvious error will attach docs ... .for proof ... .also verified with the clerk of court that they do not report and public records to credit bureaus
Product: Debt collection

I was contacted by Collections, INC. with two accounts that were open with them from XXXX XXXX in XXXX, MS. One account was sent to the Justice court and one had just gotten to their agency. The first account was originally {$1200.00} and some odd dollars, but with court and attorneys fees, it went up to over {$1600.00}. I paid that total in full to stop the court proceeding. I also paid {$740.00} towards the other account. The Account is now down to a little over {$3000.00} and when I tried to set up a payment arrangement, they are saying that I need to pay over {$400.00} a month. If I did not pay it in full or pay the {$400.00} a month that they would garnish my wages and that my credit would be ruined. I can not pay that amount and continue to pay my other bills. I told them I would give them {$100.00} a month and that they could draft it out of my account. The agent went on and on about how that isn't enough. I gave her my debit card information and set up the plan after a lengthy back and forth. Then, two minutes later, she called back saying that " legal '' walked by, and is not excepting this arrangement and that I would have to pay more. So, they do not want to except my automatically drafted arrangement, and want to garnish me? How could this be right or just? I XXXX my ankle and had XXXX XXXX and XXXX XXXX put into it. I am just getting back to being normal, because this happened in late XXXX and it is XXXX Now, I am being harassed by a company that refuses work with me at all. Who can come up with {$400.00} extra a month being single and having living expenses? I have seen many other complaints on the XXXX website where this company offered others arrangements for {$50.00} to {$100.00} dollars a month, and it is obvious that they pick and choose who they want to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at 1935 XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX did not give Mercedes-Benz Financial Services USA LLC permissible purpose , nor did a court of competent jurisdiction issue an order for Mercedes-Benz Financial Services USA LLC to furnish an inquiry to XXXX, XXXX. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. have both been placed on a Cease and Desist regarding this inquiry. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are both violating the XXXX Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, XXXX. I, XXXX XXXX XXXX, XXXX, did not receive any benefit from this transaction.
Product: Credit reporting

I have filed a XXXX dispute in regards to XXXX the which is in regards to XXXX XXXX. This issue has been going on for months. I contacted XXXX XXXX myself plus optimum outcomes because optimum outcomes told me back in XX/XX/XXXX they never received a dispute from Equifax. Which I have the recorded calls from XXXX people at optimum outcome telling me they never received a dispute from equifax which was in XX/XX/XXXX. I got a letter from XXXX XXXX which states the info is not available. XXXX and XXXX have deleted this from my file. But, Equifax keeps putting this off.They have this letter I sent to them from the creditor and they tell me it 's not enough information. Everytime I call equifax I get a different answer from a different person which all these calls are recorded. They are not trying to fix this they do n't care! They are also trying to tell me they have until XXXX XXXX on this XXXX dispute which is incorrect! I told a customer service rep over the phone that it was disputed. Also my XXXX letter was dated XXXX XXXX, 2015 so the phone call was before XXXX XXXX.
Product: Debt collection

XX/XX/year> Dear To Whom this may concern, I am writing to formally dispute inaccuracies in my credit report issued on XX/XX/year>. Please find the details of my dispute below, along with the supporting documentation. 
Disputed Items : Personal Information Errors : My name appears inconsistently as : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( Experian ) XXXX XXXX XXXX ( XXXX ) I request that my name be standardized and accurately reported as " XXXX XXXX XXXX. '' Previous Address Discrepancy : My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, XXXX and Experian incorrectly list a previous address at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ). 
Please verify and correct this information, as I have not resided at either of these locations recently.

Employer Information : My employers are inconsistently listed. Please confirm and correct my employer as " XXXX. '' Please conduct a thorough investigation and update my credit report to reflect accurate information.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the corrections Sincerely, XXXX XXXX XXXX
Product: Debt collection

Collector states that a bill is due from the physician. According to the physicians billing group, no bill is pending nor did they send one to collection company. The credit people calling do not have my correct address, and are asking for payment by credit card over the phone. They have not provided any information as to who the exact person/company the debt is owed to. I believe this to be a scam.