23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXXl, Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit card or prepaid card

Todays Date : XX/XX/XXXX I bought 2 XX/XX/XXXX from Apple.com. Apple offered me their Apple card to pay with installment with no interests for 24 months I applied and got a credit for {$5000.00}. 
After I completed the transaction, I received statements Goldman Sachs. In my wallet showed I which they awarded me a daily cash. I was not consulted nor I was awarded of beautiful rewards. Few weeks later I returned both phones and asked for a refund thinking that my account will come back to XX/XX/XXXX= {$5000.00} the original credit I was given. 

Since I did not owe them anything I decided to close my account. I searched several ways to close my account, but I could not find the way to do it, nor an explanation of this daily cash in my balance. Very, very hard to do it. Instead it appeared {$4800.00} and {$150.00} cash in my cash card. 

I contacted numerous Apple employees, equal to numerous hours hanging on the phone and transferred to 7 different departments until finally reached the one that told me that my account had to be dealt with Goldman Sachs ( the issuer of the card ). This was after 2 HOURS. 

By the way, none of all the employees I spoke with would volunteer the direct telephone number to Goldman Sachs Apple card billing department. 
Finally, XXXX, Goldman Sachs employee informed me that in order to close the account I had to spend or give {$150.00} surplus money to someone else, as a gift. I was forced to put his bank acct. routing number and bank acct. number and transfer that money to him. 
The {$150.00} surplus money in my Apple Credit Card got accumulated from the daily cash. It was preventing Goldman Sachs closing my account. XXXX, made it very clear that I needed to spend {$150.00} in order to get rid of the Apple Card Account. After a painful step with her on the phone, I succeeded to complete the process. Eventually, she proceeded to finally close my account. 
Now, I am intrigue by this manipulative Apple Card / Goldman Sachs act that only them can explain. What would happen to my friend when he will receive this money. Because I asked XXXX at Goldman Sachs and she did not know. I am afraid that I did something wrong or illegal following instructions following Goldman Sachs employee. 

Relating this to my friends, they reminded me that in XXXX Goldman Sachs defrauded investors. 
Goldman Sachs Finally Admits it Defrauded Investors During the Financial Crisis https : XXXX Sadly, the government instead of punishing them gave millions of dollars bonuses to its CEO.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX XXXX XXXXXXXX account. It between the thousands of emails I did notice one from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My credit score plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by XXXX  XXXX XXXX.
Product: Credit card

I have a credit card through Capitol One. I have had it since somewhere between XX/XX/XXXX and XX/XX/XXXX. Recently I noticed that the interest rate of 6.99 changed to 7.24 in early XX/XX/XXXX and then changed again this past month to 7.49. I am told it will change again. Then I noticed on the statements that the entire " balance [ is ] subject to [ this new ] interest rate ''. My balance on this card is currently at around {$19000.00}. I contacted them and they said that because it is a variable rate card ( how can it be variable if it remains 6.99 percent for nearly a decade? ) if the prime changes, they, the issue can change the interest rate on the existing balance. However, according to the CARD act of XX/XX/XXXX, " Issuer can not increase the annual percentage rate on your existing credit card balance '' ( source : credit.com ) ''. This should apply to my card since it has not varied in a decade. But let us suppose this card is variable rated, XXXX goes on to say in regard to variable rate cards " A credit card ( issuer ) may raise the rate on your outstanding balance if it has been temporarily lowered during a " workout '' or temporary hardship arrangement you either completed or left. '' Neither does a " workout '' or " temporary hardship arrangement '' apply to me as neither have ever been requested by me or given me. Therefore, this does not apply to the existing balance on my card ( that portion, well over XXXX dollars which existed before the 6.99 was elevated higher. I ask you to assist me, if it is possible, to have Capitol One rectify this situation for me and for others like me to whom this applies. For background sake ; my wife and I are excellent credit risks ; both in the high XXXX, and have never missed a payment on anything in our life. I had always been operating under the impression that the interest rate under which a purchase was made, would be the the interest rate which would always apply to the existing balance of previous purchases. Thank you.
Product: Vehicle loan or lease

i was financing a vehicle, make on time payments. Then in XX/XX/2014 i had a XXXX unable to work. contacted dealer to turn in vehicle and forfeit all moneys paid on vehicle. They in turn go through repossession, and resale of vehicle, before 90 days stated by repossession company, to re obtain vehicle if able to return to work. 
I then get letter stating the amount owed after sale. few weeks later collection letters arrive for more that first letter, almost double the amount. Then i get letters from a 3rd party collection agency for almost triple the amount owed. followed by letter delivered by a sheriff to my XXXX year old son for yet a different amount, almost triple. 
the dealer and loan company are both well aware of me having a XXXX and out of work since XX/XX/2014. and continue to harass with letters, threats and abuse since monthly. 
also on my credit report the loan was closed on XX/XX/2014, around the same time of resold. the vehicle was taken around mid XXXX. by the way completely different than the amount on letter, and sherifff documents sent to me. 
in my opinion, this is uncalled for, and abusive on dealer and loan company, can you check into this and contact me back at XXXX. 
it was stressful enough with the XXXX, then have to deal with this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account reported in my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/24, I paid First Tech the pass due amount of {$570.00}. My logon on that date per their website sign on trail confirms that. I received an auto text from First Tech verifying I was active on their website that day. At first I went on to change external bank account to make a payment ... but their system kept rejecting with several error codes, so I called. Per customer service Rep XXXX, told to try again later. I since decided to go back on and pay with my past bank account that were already on file. It was not until day 35 or so, another rep from First tech, made me aware by calling my cell phone that I was over 30 days late. I explained this ... she told me that they will evaluate and get back in touch. No one have since. I was not late on this payment ... they obviously were having system issues out of my control, that I didnt know will effect my payment history. I have perfect credit and this is a impact on it now. Showing 30 days late. Please can someone help me as First tech isn't honoring they were having system issues on that date.I trusted their website with submitting my payment, but it failed me. I was never pass 30 days. 

Thank you
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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXXXXXX 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. 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.

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: Checking or savings account

On XX/XX/2022 I tried to open a CITI checking account online. It was pending presumably because of a fraud alert I have with the credit reporting agencies. It took 3 weeks before a CITI employee tried to contact me to verify my identity. They left a voicemail with instructions on how to contact their fraud department except that the instructions are incorrect as every time I call I am diverted to CITI 's general customer service dept who has proven absolutely useless in being able to connect me to the fraud department. 

Instead of asking customers to enter their SSN ( which is unrecognized in my case because I don't yet have an account with them ) CITI needs to have the customers enter the file # because that is what is in their system. 

I have called CITI 's so called executive response team several times and they have also been unable to connect me to the proper dept. Absolutely the worst and most frustrating customer " service '' experiences I have ever had.
Product: Mortgage

In XXXX of 2014 on the dates of XXXX XXXX and XXXX XXXX, 2014 XXXX payments were made to Chase bank for the mortgage on our home. The payment of XXXX/XXXX/2014 was made by the program Home keepers the payment of XXXX/XXXX/2014 was made by my wife and I. Chase made an error and charged interest for the month of XXXX in the amount of XXXX. This was XXXX the monthly amount of interest due. Repeated letters to Chase bank have gone unanswered. I feel that Chase Bank purposefully will not answer our letters and that they purposefully charged XXXX the amount of interest that was due. 
Also the NJ home keepers was a program that helped us when my wife became unemployed and the banking theft and mortgage/housing crises, which no bank managers had to pay criminally and instead paid off small fines ( not fair ). However please also review this process because Chase and NJ Home keepers would not allow us to get assistance unless if Chase bank was paid a specific amount in arrears owed. This was not fair because we were never ever late on a loan payment and had no arrears to pay off, but Chase bank got thousands of dollars to pay off arrears which did not exist. 
I feel it is only right that these XXXX issues be looked at. 
We are so upset of how Chase can act without regard to the law, and yet if an individual steals bread to feed their family they can go to prison, and Chase bank can steal and manuiplate without any regard to any consequence. 
Please look into the XXXX matters XXXX being XXXX the amount of interest charged for XXXX 2014 and how Chase collected thousands of dollars in order for us to get assistance from NJ home keepers to collect funds for an account in arrears when the account was never ever paid late or in arrears.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THIS CREDITOR ON MY XXXX CREDIT REPORT THAT WILL NOT AND HAS NOT UPDATED THIS ACCOUNT SINCE MY BANKRUPTCY XXXX WAS DISCHARGED IN XXXX OF XXXX. THE OTHER 2 BUREAUS HAVE UPDATED THIS ACCOUNT SEVERAL TIMES AND THE MOST RECENT UPDATE IS WHAT I'VE BEEN TRYING TO DISPUTE AND NOT GETTING ANYWHERE WITH XXXX  AND THAT'S WELLS FARGO HOME MORTGAGE. IN THE LAST FEW MONTHS I'VE BEEN GOING BACK AND FORTH WITH WELLS FARGO AND XXXX TO FIND OUT WHO'S RESPONSIBILITY IS IT TO UPDATE MY ACCOUNT CORRECTLY. LAST XX/XX/XXXX THIS WELLS FARGO ACCOUNT MORTGAGE LOAN WAS PAID OFF AND CLOSED. DON'T KNOW HOW TO EXPLAIN IT OR WHAT, BUT THE OTHER 2 BUREAUS HAVE MADE THE RIGHT CORRECTIONS AND UPDATED THE ACCOUNT. THEY BOTH SHOW CLOSED AND PAID.CI HAD ADVISED WELLS FARGO OF THAT YESTERDAY AND THEY STATED THAT THEY CAN'T UPDATE MY ACCOUNT AND HAVE NO AUTHORITY TO SHOW MY ACCOUNT PAID AND CLOSED. I SAID MY HOUSE HAS BEEN REFINANCED AND I NO LONGER HAVE TIES TO WELLS FARGO PLEASE UPDATE MY FILE AND SEND IT TO XXXX THEY STATED AGAIN THEY CAN NOT. I MENTION TO THEM THAT WELLS FARGO IS RUINING MY CREDIT BY LEAVING THIS OPEN MORTGAGE ON MY CREDIT REPORT. ALL THEY KEPT SAYING IS SORRY AND CAN'T HELP YOU. I SAID SORRY BUT YOU NEED TO DO SOMETHING IF THE OTHER 2 BUREAUS ITS UPDATE LAST YEAR WHEN WE REFINANCED. 
*******PLEASE HAVE THIS FIXED AND UPDATED SO MY XXXX   CREDIT REPORT SHOWS PAID AND CLOSED!!!!!!!!!!!!!!!! PLEASE PLEASE PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to the negligence of TransUnion and their inability to remove the account even with proof of the violations they were allowing to be committed on my report. I had requested due to the violations they removed the account with XXXX XXXX XXXX and they said they " Validated '' it as accurate. However, on my report there are no notes that the account was even investigated in the remarks on my report. How can I prove they validated or even investigated it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car in my name that I co-signed. The car was repossessed. 

The Accoint went to a collection agency called XXXX XXXX XXXX Everything was paid but it doesnt reflect on my credit report and they refuse to help me fix and update things. 

This was the person who collected payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ph. XXXX Fax XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are reporting XXXX accounts that does not belong to me. XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. I have never done business with either of these companies. They do not have permissible purpose or any type of court order to be reporting anything on my credit report. That is against the law. they are also reporting a past due balance on a collection account which is inaccurate. How can a collection have a past do balance? After numerous failed attempts to get them to send me the documents they use to verify these accounts. It's been way past XXXX days. I have no choice but to seek further legal action. I know I have never signed any agreement or contract with either of these companies nor have i done any type of business with them. They are violating numerous laws of my consumer rights by reporting these accounts and something must be done because this is affecting my life and the way I live. This is preventing me from having a place to live and provide for my family.
Product: Credit card or prepaid card

My Citibank Executive XXXX XXXX card has a benefit that reimburses up to {$100.00} for TSA Pre-Check enrollment and renewals. I received my renewal for XX/XX/XXXX from the TSA in XX/XX/XXXX. I charged the fee to my Citibank card and Citibank has not processed the reimbursement. They advised that I could not renew until XXXX XXXX XXXX XXXX XXXX from my last benefit received. That would have required me to wait to renew and be in danger of an expiration. The window to reimburse is unfair and deceptive as it should be known that the TSA solicits renewals at 6-7 months prior to expiration. Also this XXXX XXXX XXXX XXXX XXXX requirement is not published on the Citibank website displayed to consumers considering and applying for the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

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

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I mail a request asking for the 1099c for tax purpose no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 60 days and no sign of investigation on false accounts! Unknown. All identity verification submitted. Account Information and Numbers invalid
Product: Checking or savings account

Hello, I am writing today because BMO Harris Bank is holding over {$11000.00} in a checking account going on 5 months now. 

A very close friend/roommate of mine XXXX XXXX filed for unemployment and he asked me to use my account to deposit his direct deposit to, okay no big deal he does so. BMO then locks my account stating it's fraud I explain the situation to a man named XXXX who works for BMO Harris. Remind you this is on going 5 months now, the gentlemen XXXX who is very very rude and un-kind accuses me of fraud, okay no big deal I can bring XXXX XXXX into the BMO branch and he can explain it himself since that's who the deposit was for he just used my account because he didn't have his own at the time. XXXX directs me to go into a branch with My ID my social security card and Also my friend XXXX XXXX along with his SSN Card, Birth certificate, and ID. I take him to the bank, we do everything all followed along with every piece of his unemployment papers and they FAX it into " XXXX ''. I hear nothing from him, I've maybe spoke to him 2-3 times in 5 months I have spoken with several managers over the phone who work for BMO who also can not get ahold of this guy. There is 2 options legally they have to follow which is, return the funds to XXXX so he can get them resent elsewhere OR they have to mail me a check with my account balance. 5 months for nothing to happen is outrageous, thanks
Product: Credit card or prepaid card

I received a bill from XXXX XXXXSYNCHRONY bank for a credit card that was opened in the name of XXXX XXXX at my XXXX XXXX XXXX XXXX XXXX, XXXX, FL. A purchase has been made in the dollar amount of {$3500.00} in XXXX XXXX Florida for an XXXX XXXX XXXX XXXX. I tried calling the phone number on the bill XXXX XXXX and there was no answer. The credit card number is XXXX. Make payment to SYNCHRONY Bank XXXX XXXX XXXX, XXXX, FL XXXX. I never applied for a credit card with this bank I did not make a purchase for air conditioning anywhere I dont even know where where XXXX XXXXXXXX XXXX at. I would like to report this credit card fraud please. I purchased this address through foreclosure in XX/XX/2022 and there was a squatter living here at the time and phone numbers that was posted on the door of the house XXXX and XXXX for the person that was squatting at my residence XXXX XXXX XXXX XXXX, FL XXXX. The website on the envelope that was mailed to me with the credit card bill www.mysynchrony.com.