23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This goes back a few years but it remains fresh on my mind and I just discovered that the CFPB may be of assistance. Brief summary : 1. On XX/XX/XXXX I purchased an Apple computer  at the Apple store for {$2000.00} 2. I signed up for 12 mo. interest free payment program 3. I had done this in the past and communicated to the store clerk to utilize my XXXX XXXX XXXX address to processas I had done in the past. 
4. What I usually do is wait for an email from the credit card company ( in this case Goldman Sachs for the AppleCard ), then go on their site to set up automatic payments 5. I also have an apple ID linked to another email XXXX XXXX. This email address is seldom used or checked by memaybe twice yearly. 
6. All statements and communication from Goldman Sachs AppleCard were going to the incorrect email account, XXXX instead of XXXX. 
7. It was not until I checked my XXXX  email address in XXXX of XXXX that I saw statements and communications from Goldman Sachs 8. Goldman Sachs reported by credit card severely delinquent 9. Note that my almost flawless credit score went from the XXXX to less than XXXX almost overnight. 
10. I have no record of phone calls or mail from Goldman Sachs Applecard that drew attention to this issue. 
11. I filed a claim to Goldman Sachs/Apple Card in XXXX  XX/XX/XXXX and another in XXXX. 

I was denied on both claims. I feel very strongly that this delinquency should be removed from my credit report. The issue started with the Apple Store not following my instructions on the email account to utilize. It was compounded by Goldman Sachs not making an attempt to get in contact with me by phone, txt or mail prior to reporting to credit agenciesas you can see, once I was became aware, I corrected the issue and paid the entire amount immediately. 

As mentioned above, up until this problem occurring, I had an extremely strong credit history ( all 3 scores XXXX ) and believe it is unfair to have to live with this for 7 years. 
I was on the phone today for over 1 hour and 15 minutes today trying to get the case # to reference to direct you where to go. This is very much of a maze and I had no luck. There is not even an email address for consumers to communicate in writing with Goldmanonly by phone. The best I can provide is the statements enclosed and to reference the following for your communications with Goldman : Email - XXXX My Phone - XXXX Last 4 of acct # - XXXX Please contact me with any questions. 

Thank you, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report Navy Federal Credit Union Mortgage due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of XXXX allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and Navy federal credit union mortgage is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Product: Debt collection

This company, XXXX XXXX XXXX XXXX is attempting to collect an alleged debt from an account that does not belong to me. I have filed complaints about this account with many agencies and I am so frustrated at this point! This is stressing me out so bad! I am a XXXX patient and this is too much to deal with right now. They must be stopped. Not to mention the alleged original creditor has an arbitration clause that has clearly been bypassed.
Product: Debt collection

I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. 

This is my tacking from XXXX mail from XXXX XXXX and XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. 

Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.
Product: Mortgage

My loan was sold from XXXX XXXX to Bayview when I got behind on my payment. XXXX XXXX told me they were selling it to another bank and did not explain why. When I asked they said banks do this all the time. Then I found out it was this predatory loan collection agency called Bayview Loan Services. Bayview has had my loan less than one month, already they have come up to my house repeatedly, at least 3 times by now, they have made phone calls, texts, and sent between 8-10 letters. They are acting in a predatory nature. I have a XXXX XXXX child in the home and I do not want strangers here. If I call in to tell them Im going to make a payment, they make me go through a long history of why I am behind on my loan. They use false kindness to get you to tell your story and then they pounce on that to use it against you They will not leave me alone even though I have made two payments since they had my loan. Theyve claimed I had payments still pending when the payment had been made over a week before. Theyve kept me on the phone for an hour trying to explain my situation, then wanting me to tell it again next time I called. They said they work for an investor not a bank, and when I asked who, they said XXXX XXXX and that I had signed paperwork saying they could come to my house after 45 days. Not true. A customer service rep told me to put my taxes through a website that wouldnt actually file them if a needed to. They are completely scammy and have people working for them who look and sound nice that try to gain false trust, and to get people to open their door. 
Bayview also seems use a certain type of person mainly woman to do this on purpose. I wouldnt be surprised if it was a specific business practice of theirs. They harass me almost on a daily basis ether by phone, at my door, or with letters. They say things like, we only want to help you, or, we need to make sure you hear your welcome information - these people need to be reigned in with some sort or regulation or fine because they are out of control.
Product: Checking or savings account

Robinhood blocked access to withdrawal money for going on 2 years. Amount is XXXX located in a spending account which is locked.
Product: Credit card or prepaid card

Each month I have paid my balance in full. In XXXX of XXXX  I did not make my payment by XXXX cents because I switched the numbers. In XXXX of XXXX  I paid in full in XXXX I made two payments one in XX/XX/XXXX and one on XXXX that totaled my full balance and then some. I then got my statement and noticed a {$16.00} interest charge. They said its a rolling interest because I did not pay my balance in XXXX. So even though I have paid my balance in both XXXX and XXXX because I made two separate payments in XXXX before the due date I am charged a fee. I called and said this was a new policy that was put in place during Covid. I spoke with XXXX and he said it can not be refunded. I am disgusted that I was charged XXXX after I pay my balance in full. This is through BJs whole center commenity bank. They offered no help.
Product: Credit card or prepaid card

I was honored XXXX bonus miles towards my XXXX XXXX XXXX account ( XXXX ) however to date I have not received it. I have contacted XXXX a few times and lets voicemails, but no one is calling be back.
Product: Credit card or prepaid card

My Zales account with XXXX XXXX was on a hardship program for several months and now removed, notice was received today on XXXX, due to a returned payment. The terms of the program allow a certain number of returned payments in a given time frame before account is removed from program. A payment in the amount of XXXX was returned recently, causing removal because the account it was drawn from is now closed. The account has numerous auto payments scheduled in the amount of XXXX for the XXXX of the month drawing from account ending in XXXX, this is my current bank account. The payment in question, XXXX was scheduled using old account without my knowledge and I do not believe it is my error for it being returned and thus, the account should not be removed from hardship program. If XXXX XXXX  will check, the payment shows drawn from a different account number than my current account ending in XXXX, I was not aware payment was scheduled to draw from closed account
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I am not a customer and attempted to take a check that is one of their customers to cash it. I was told I had to pay an {$8.00} charge. I paid cash to the writer of the check for a service that was not rendered, I was refunded. Why am I now having to pay {$8.00} to get the money back I paid. I didn't charge anyone {$8.00} when I handed them my CASH. They proceeded to discriminate against me bc I am an XXXX XXXX Trump supporter  and told me they would not waive the charge even though they were debating it. Then they called the police without asking us to leave and said we were trespassing. Why are they allowed to abuse public services like this, they were not threatened, they did not ask us to leave, it is an abuse of civil services. I am a tax paying citizen. The bank is not entitled fees to MY cash when I am not paying for their services. I did not choose Bank of America and I would NEVER PAY TO USE THEIR SERVICES. They discriminated against me bc I am XXXX XXXX and did not provide me the same service they would any other individual.
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers XXXX XXXX XXXX XXXX of the following accounts 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 FRAUD/REMOVE INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX FED XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance XXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX : {$0.00} XX/XX/XXXX XXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX Balance XXXX {$4100.00}XX/XX/XXXXXXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$4100.00} XX/XX/XXXXXXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Credit reporting or other personal consumer reports

XXXX XXXX made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my Transunion credit report. I did not apply for credit with XXXX XXXX or otherwise authorize the enquiry. 
I have written to XXXX XXXX multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted Transunion to have the enquiry removed, but the enquiry is still being reported by Transunion on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a public record filing of bankruptcy because the furnisher of such reporting has not been verified by Transunion. I have disputed in writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I then disputed in XXXX, XXXX, XXXX, XXXX of XXXX. After all of these disputes, Transunion has yet to provide accurate information furnisher verification. This is important information to provide so that I can investigate and correct my report. In XX/XX/XXXX, I called in to initiate a phone dispute and Transunion informed me they were unable to access my report because they did not have my correct personal information and needed to send my file for maintenance. Finding out that Transunion has not been documenting my information correctly and then refusing to take my dispute is against all FCRA laws governing credit reporting agencies ensuring they are provided accurate and verifiable information for a consumer. When I called back later in XX/XX/XXXX to discuss the errors in my file and to once again request the furnisher of the bankruptcy reporting the manager XXXX informed me that they are not allowed to provide this information so that I can not investigate the origin of such information to get it corrected. Transunion has violated all rights I have to investigate, obtain verifiable information in order to correct my report, in addition, they have not been keeping accurate records of my personal information. I have attached a copy of the same dispute letters I have sent 10 times via USPS mail to Transunion. Transunion also does not show my record of disputing with them, which in turn makes me think they never investigated my dispute.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I opened an account with Chase on the XXXX of XX/XX/year>, at their XXXX XXXX in XXXX, Illinois. I subsequently deposited a cheque of approximately XXXX dollars at the branch which they told me they would hold the money for 7 days to verify the cheque with the issuing bank. A few days later, I got an email saying that my account was suspended for fraud and will need to verify with my company. I informed them that my company did not have an official number for payroll but can provide a number for HR and also a letter from legal which they did not accept and then put me on an early fraud warning system that has prevent me from being able to open an account from any other branch. 

I asked them to return the cheque but they responded that they couldn't as they had cashed it and deposited into my account. On the XXXX of XXXX, they closed my account but would not return my money. I have called them constantly to find a solution, I have also gotten my company to register a number for them to contact but that number does not show up on Chase 's 'propriety ' system according to them. 

It is now the XXXX of XXXX and I have no way of getting my money, this is why I am filing a formal complaint for the return of my money.
Product: Payday loan, title loan, personal loan, or advance loan

I financed teeth aligners with XXXX XXXX XXXX in XX/XX/2023. The payment processor is Healthcare Finance Direct LLC ( HFD ). 

Since then XXXX XXXX XXXX has filed for bankruptcy and ceased its operations including access to its services which I financed in the first place. 

The contract attached clearly says that the finance amount is payable in exchange for the services provided by XXXX XXXX XXXX. However, XXXX XXXX XXXX has violated its contract by ceasing to provide services. 

HFD is continuing to harass me with demand for payments due and despite I having told them via email that XXXX XXXX XXXX is in violation of its contract and therefore, I can't pay for services I haven't received ( also attached ). 

HFD has informed me that they will start collection services against the payment due and will report to the credit bureaus. 

I request that CFPB take appropriate action against HFD so that they can stop harassing thousands of consumbers in similar situation.
Product: Credit card or prepaid card

XX/XX/2022 - cashed out XXXX rewards points as {$300.00} XXXX gift card. 

Gift card was never delivered. 
XXXX was sent back to processing facility. 

XX/XX/2022 contacted US Bank credit card customer number to file an investigation and a refund of points or resend cards via XXXX. 

Was Notified by US Bank service member the customer service team will follow up and make a decision in XXXX days. 

XX/XX/2022 contacted US Bank customer service for updates. Still haven't been contacted by US Bank credit card service team after 30 days. 

XX/XX/2022 - still have not received updates from US Bank about the credit cards rewards resumption issue. 
Rewards points still have not been refunded to my account and have not received information about resending my gifts cards.
Product: Mortgage

Chase Mortgage # : XXXX Home purchased in XX/XX/XXXX for {$65000.00} with 10 % down, {$58000.00} loan and began paying PMI Simple no cash refinance in XX/XX/XXXX and began paying {$40.00} per month in PMI ( {$54000.00} loan balance ) Home value as of XX/XX/XXXX : {$70000.00} ( 77 % LTV ) Home value as of XX/XX/XXXX : {$120000.00} ( 32 % LTV based on {$40000.00} loan balance ) XX/XX/XXXX : Contacted by Chase that PMI would be waived starting XX/XX/XXXX XX/XX/XXXX : Planned payoff of the Chase mortgage Chase has been committing mortgage fraud for 7 years by charging me {$40.00} per month and claiming I did not meet the PMI waiver requirements. This is a systemic issue in Chase 's PMI process and worse than XXXX XXXX XXXX rate lock scandal and CPI auto insurance. How can this type of fraud go undetected when this is occurring for millions of Chase borrowers in not removing PMI? 

Chase needs to evaluate this as an enterprise remediation and then testify before congress how this PMI process can be fair charging customers the monthly fee and then having the balls to waive the fee when I am paying off the loan. 

Based on the property 's value, Chase owes me 81 PMI  payments for {$40.00} or {$3200.00} plus loss of use of funds calculation. 

Please send me the remediation payment as I need funds to cover Covid-19 losses that Chase is responsible for by committing this mortgage fraud. 

XXXX XXXX XXXX XXXX