23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

According to my billing statement, and Apple card customer agreement, I am to send a " non-conforming '' payment/Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . My billing statement did not include the entire balance amount so that I can " pay in full. '' The statement 's total balance was incorrect as it did not include the interest amount that would allow me to make a purchase for goods. I have heard nothing back from XXXX with respect to these notices. Apple Card/GS not providing full disclosure is preventing me from accessing the special financing plan, and this is a violation of the Truth in Lending/FCBA.

When I engage with Goldman Sachs for Apple Card through messages or over the phone, they have no idea what a purchase transaction is ( even though this term is clearly defined in their customer agreement ), and they do not understand that this is the obligation that I mutually agreed upon with Apple Card/Goldman Sachs on how to pay so that it promotes the sale of goods for the GS business, and for commerce and trade. The have made the process impossibly difficult to allow me to perform a sale on approval and my contractual obligations of purchasing and returning the goods ( after adding the APR service fee ) for GS to use for trade. I am helping their business by helping to proceed the insolvency, and this has become a nightmare. I have spent countless hours on messaging and on the phone over the last XXXX  days or so ... my account was even locked for bankruptcy at XXXX point for almost XXXX weeks. Nobody can explain the process to me! 

XXXX XXXX agreement specifically states : " Non-conforming Payments We may reject any payments that do not comply with our payment instructions set forth in this Agreement or on your Monthly Statement ( each a " Non-conforming Payment '' ) in our discretion. If we accept a Non-conforming Payment, crediting your Account for the payment may be delayed and may result in additional interest billed to your Account.

We may accept any Non-conforming Payments, late payments, partial payments or payments with restrictive endorsements, without losing any of our rights, including our right to close your Account. We may deposit any payment you send us for less than the total outstanding balance of your Account that you mark " paid in full '' or with any similar language or otherwise seek to provide as full satisfaction of a disputed amount. If we do, this payment will not fully satisfy the disputed amount or otherwise affect our rights to payment in full. ''
Product: Credit reporting or other personal consumer reports

RE : UNAUTHORIZED INQUIRY, XXXX XXXX  DATED XX/XX/year>, I called TRANSUNION about the above UNAUTHORIZED INQUIRY and asked for removal/deletion. 

Transunion representative instructed me to write a dispute letter as he was unable to delete unauthorized inquiries. 

I have already reported this to IDENTITYTHEFT.GOV, as well, and have written a letter to Transunion. I have already frozen my Transunion credit report.
Product: Checking or savings account

I did not receive an email from XXXX but they deducted the disputed amount of {$400.00} plus the fee that was {$87.00} from my Chase Bank checking account on XX/XX/XXXX.
Product: Consumer Loan

I took out an installment loan with Rapid cash. I had problems paying back the installment loan and immediately called Rapid Cash to inform them and make lower payment arrangements. Rapid Cash allowed me to make bi weekly payments in the amount of {$50.00} and I paid the loan and interest from {$2500.00} down to {$1600.00}. Each time I went to a rapid Cash store I was told repeatedly I could make the payments over the phone or internet instead of coming in the stores bi-weekly. On XXXX XXXX, XXXX I took the advice of employees at Rapid Cash and went to the Rapid Cash website and entered my husbands visa check card to make the usual {$50.00} payment. The website did n't allow me to enter a payment amount, did n't show me a balance due, it requested the card number only. At this point I called Rapid Cash to ask for help with the website but they said the account was paid in full. Around this same time my husband called to say the checking so accounty was emptied. I alone with an employee from our credit union XXXX XXXX called Rapid Cash and asked them to reverse the {$1600.00} charge. They refused and told me the only thing I could do was return to rapid cash and take out another loan. With no other way to prevent my mortgage payment from a NSF and no way to feed my family for two more weeks I took the advice from the Rapid Cash employee. I asked them to waive any interest because they unlawfully removed monies from our account and they refused. I now re owe rapid cash {$2500.00} from the {$1500.00} loan I was forced to take out. I make a few payments for {$100.00} and now payments of {$50.00} bi weekly again but all the my payments for over 1 year has gone to interest, none to principal. I will pay them until XX/XX/XXXX for the installment loan. I have copies of the installment loan, bank information, receipts, phone numbers employees wrote on receipts suggesting I call in payments, and letters of attempting to resolve this matter with Rapid Cash. My letters and request have been ignored. Any help will be appreciated because I feel things are n't completely legal with the circumstances. Thank you
Product: Mortgage

I received my Property Tax that I have n't paid my taxes but my lender has an escrow set up to pay the Property Tax. The lender send me a Tax Analysis showing XXXX payments were extracted from Escrow and it was overpaying the Tax, in which my Mortgage would go up by XXXX. The Property Tax has not been paid. They show they have deducted funds from my escrow. They over deducted and they have inaccurately processed a tax analysis. I 've faxed, Called them for almost a month with no success to assist me. They 've done nothing. I have all my documentation, faxes, dates and who I 've spoken with. They are taking money, overcharging me a new mortgage payment and my Property Tax has a penalty fee and has not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account on my credit report in the amount of {$40.00} is being reported by XXXX XXXX. This is not my account and needs to be removed from my credit report immediately. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this problem with CITIBANK in regards to a fradulent account that is still on my report. I have contacted them multiple to timesto have this removed. I have filed a police report in the city that i am located in. I dont know why im being held liable for a crime that i did not commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting and scoring me for seven hard hits for purchasing one vehicle. When calling trans union they agreed that it did not matter how many hard hits there were, if all the hard hits were for purchasing a vehicle, and I purchased a vehicle, these hits would count as only one hit. Unfortunately, although XXXX is showing one hard hit for the purchase of my truck, tans union nis showing and scoring me XXXX points for seven hard hits, for purchasing one vehicle. 

Last, XXXX is reporting a derogatory account from XXXX that I disputed ( never opened ), and that trans union removed. Upon calling XXXX today ( I have XXXX now for service ), they informed me that they could not find the 2018 account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX
Product: Mortgage

To whom it may Concern, I am a victim of identity theft. My information was fraudulently used by someone to apply Discover home loans on XXXX. I am not recognize of this inquiry on my credit report by Discover home loan. Discover home loan confirmed it was a fraud application and promised they will ask credit bureau to remove it in 60 days. I also have mailed my deletion request along with my information to XXXX, XXXX, and XXXX. It has passed six months and the fraudulent inquiry is still hasn't deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I was calling XXXX XXXXXXXX XXXX to settle a debt collection and was transferred to Credit Glory XXXX XXXX where I was informed that they could possibly raise my credit score by disputing items on my credit report. I talked to XXXX, who said she would be my credit consultant and for a fee could then help fix my credit. She that day charged me {$190.00} work fee and also then required to have a credit report ran with XXXX XXXX for a {$1.00}. Later after she told me there would be no hidden additional fees, I find out that this was now going to be charging me a monthly fee of {$19.00}. This again, is on top of the work fee. The following day XXXX, upon checking my online portal they sent out 4 total disputes. 3 were open collections, and the other was a closed CC account, which were all accurate. I received no communication after that and called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ) with no response ( have call log ). I then immediately became suspicious of there credibility and called ALL 3 credit bureaus on XX/XX/XXXX to request information about my disputes, which they then informed me that there were none opened. ( I have representatives names and file/confirmation # 's of the calls. ) I then immediately called Credit Glory to voice my concerns only to be told that the 3 credit bureaus lied to me and we're displaying a delay tactic. I have now started on my own working to rebuild my credit. I have disputes with my own file/confirmation numbers and dates to prove that I am the only person working on these accounts so they can not receive ANY credit for my new success in raising my own credit score. Also on XX/XX/XXXX I saw they sent out disputes on all 7 accounts, 3 being in collections and 4 closed cc accounts. Why would they duplicate disputes again twenty days apart? I have screenshots of everything. I finally canceled my account on XX/XX/XXXX stating that I want not only the money back guarantee of {$99.00} but the entire full amount of {$190.00} because there was NO work actually done on their part.
Product: Credit card or prepaid card

I opened a credit card with an offer if I spend {$3000.00} in 3 months of opening that I would get 25,000 bonus points. I spent just over {$5000.00} ( about XXXX ) in that time frame. I never received the points. 
I called the bank now 6 times. The first time it was forwarded to a promotion team that after a week called me back and said that the promotion was spend {$5000.00} to get the points. When I told them I did spend over {$5000.00}, then I was told maybe it was {$6000.00}. I told them I have the letter that came with the card saying {$3000.00}. I was told they would forward it back to that department. I never heard back. A month later I called again, and was told it would be sent back to that department. Again never hearing back. 

I spent well over the {$3000.00} required, and have statements as proof it was actually over {$5000.00} even in that window of time, yet never got the 25,000 points. I want the 25,000 points owed. I'm including the proof of the offer they even mailed me after I got my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX  XXXX  XXXX XXXX  XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
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Product: Credit card or prepaid card

Roughly about XXXX weeks ago my husband and I both started receiving letters in the mail from CITI stating that we had opened accounts with them which we did not. We do not now nor have we ever had an account with them. We contacted them they wanted my Social Security number I refused, they asked me for the last for which I did give them the last four of my social. They had erroneous information for me. This was explain to them, it also showed that there was another person on the account by the name of XXXX XXXX. I have no knowledge of this person, who this person is, this person is no relation to me, and Ive never known them in my life. I did close the account. I am still getting letters from CITI About the account but when I call them does state that the account is closed. I do not think that they should show my credit report as it was explained to them that this was fraudulent. I never applied for any card with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX I paid the remaining amount on the frontier credit card of {$110.00}. Following this complete payment, I requested the account be closed permanently and spoke to someone on the phone who confirmed the account was closed. Then on XX/XX/XXXX, I received an email, subject line : Account Alert : Your statement is available. 


It appears my account is still open, despite asking it be closed and being told that was done. I would like this account shut down and closed asap. 

Thank you.
Product: Debt collection

On XX/XX/23, this debt collector claimed it would cease all communication of this allege debt but it is still reporting it on my credit report. This debt collector has repeatedly committed FDCPA violations and continues to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I I took out a 60 month auto loan with capital one for {$15000.00} which was paid off in full ( early ) on XX/XX/XXXX. I have been fighting with Capital One over the last few years because they removed this loan and all tradelines off my credit reports. When removed it was in positive statues as " positive report '' shows. 
Everytime I dispute either to capital one or CFPB Capital One comes up with another excuse. 

The last excuse given last week stated this was deleted and removed under the seven year delinquency rules because it was a bankruptcy loan. However, this is in accurate and another bogus excuse for several reasons : 1 ) When this was removed it was in positive status and reflected so in " positive report ''. A Also On XX/XX/XXXX XXXX the supervisor with capital one at XXXX XXXX XXXX confirmed on a recorded call with himself, myself, and XXXX from XXXX this account was in positive status throughout its life. 
2 ) This was not included in any bankruptcy and outlined in " bankruptcy details '' 3. Even if Capital One wanted to use this 7 year negative excuse the loan was paid off on XX/XX/XXXX making 7 years XX/XX/XXXX which means regardless it should still be reflecting on my account BUT since it was a positive paid in full and early loan it should reflect so until XX/XX/XXXX. 

If capital one does not make the necessary changes and report this loan to all 3 credit reporting agencies I will take further action upon their response with a private attorney.
Product: Checking or savings account

Hi CFPB customer service team, I am a victim of a fraud/scam. I accidentally use XXXX linked to my checking account to send out {$1000.00} this early morning XX/XX/2023 around XXXX. The recipient got my payment and refused to deliver the concert ticket as promised. I realized that it's a fraud/scam and immediately reported to my bank Wells Fargo this XXXX opening XXXX dispute cases # XXXX and # XXXX. Besides filing the dispute, I also urged the bank to request a chargeback and attempted to cancel the transaction as it showed pending status. However, the bank informed me that it will take up to 5-10 business days to get someone assigned and to investigate. I told them the process is too slow as it happened on the weekend night and the fund is possibly being drained by the recipient already. I am asking your assistance to urge Wells Fargo to look into this dispute case as soon as possible and work on the chargeback request and also attempt to cancel/reverse the transaction on my behalf so I can get my {$1000.00} back. 

The recipient uses XXXX ( XXXX XXXX XXXX as XXXX ID.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 
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 And one more thing according to 15 USC 1681s-2 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

XX/XX/year> my phone was remotely hacked and all of my Accounts became compromised including an XXXX $ charge to a home depot card. They dragged their XXXX for about 10 months of going back and forth with me to conclude that is was indeed fraud alls while knocking my credit score down over XXXX points and having a ding on my report, and the XXXX $ is part of that fraud dispute! They are trying to get me to pay the interest accrued on the fraud. I contacted Home Depot/citi personally last week and they said it was rectified on their end however you just came back with my dispute as failed. So something tells me someone is not doing their jobs correctly! Ive never missed any payments and Im tired of this negligence negatively effecting my livelihood! If this isnt rectified as soon as possible Ill have no choice but to seek legal consultation for defamation, slander, and whatever else my lawyer will come up with!
Product: Checking or savings account

Hi CFPB, I recently had an account with Comerica Bank which was closed on XX/XX/2020. However, on the day that Comerica had closed my account, I had transferred {$500.00} from my XXXX XXXX account to the Comerica Bank account, which successfully was withdrawn from my XXXX XXXX account. Comerica Bank, on repeated occasions, has denied having ever received my {$500.00} and has been extremely uncooperative in helping me locate where the money is. They have also refused to work with XXXX XXXX  and will not reach out to XXXX XXXX to resolve the matter. 

As of today, XX/XX/2020, I have not been credited back my {$500.00} to my XXXX XXXX account as XXXX let me know that Comerica has not returned the money that was transferred to Comerica on XX/XX/2020. If the CFPB can help to look into this matter and help coordinate the return of my {$500.00} between Comerica and XXXX, that would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Hello I have made transfer to XXXX on XXXXXXXX XXXX XXXX and XXXX promised to deliver the funds by XX/XX/2022. The transaction reference number is Reference No.XXXX and the transaction amount is XXXX USD. Its been almost 6 months and the funds were never delivered and were deducted from my debit card. I tried contacting Remitly multiple times and the only thing they say is they are working on refunding it but never heard back.
Product: Student loan

I can not contact a private lender listed on my credit report. The report states that I have not paid my loan, however, I can not contact anyone to see if the amount is accurate and how to make payments. The company is listed as " Younomics. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquires on my transUnion report. Ive contacted TransUnion and they refuse to do anything about this. 18 total inquiries on my report that were not authorized