23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I filed a formal complaint ( reference number XXXX ) regarding issues with my Apple Card, which I obtained in XX/XX/XXXX for a XXXX XXXX XXXX XXXX My subsequent health challenges and the loss of my wallet, containing both the card and my mobile phone, severely disrupted my financial management. These challenges included hospitalization and a stay at the XXXX XXXX XXXX, as well as travel to XXXX, complicating the resolution of my card issues. Despite these difficulties, my attempts to address the issues were met with indifference by Goldman Sachs, especially regarding the recovery of my phone, which was found at a gas station by an acquaintance named XXXX. Despite no card usage since XX/XX/XXXX and its subsequent loss, Goldman Sachs dismissed my dispute. 

In response to my complaint to the Consumer Financial Protection Bureau, Goldman Sachs agreed on XX/XX/XXXX to credit {$7000.00} for disputed transactions and an additional {$500.00} for XXXX merchant-favored disputes as a goodwill gesture. However, inconsistencies in later discussions emerged, with claims that I owed {$4400.00}, exacerbating my XXXX health issues. Despite their initial agreement, further conversations were contradictory, leading me to file another complaint on XX/XX/XXXX ( reference number XXXX ). 

Goldman Sachs responded on XX/XX/XXXX, stating the crediting of {$7000.00} for unresolved disputes and an additional {$28.00} for XXXX merchant-favored disputes. As a courtesy, they stated that they credited {$470.00} for XXXX past merchant-favored disputes. They also stated that refund checks totaling {$2100.00} and {$470.00} were mailed on XX/XX/XXXX, acknowledging a communication error. 

Despite these claims by Goldman Sachs, I have yet to receive any refund checks. Most importantly, Goldman Sachs reported late payments for XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 90 days past due ), XX/XX/XXXX ( 120 days past due ), and XX/XX/XXXX ( 150 days past due ) to the credit bureau, adversely affecting my XXXX XXXX. These reports do not reflect the severe disruption to my financial management due to my health challenges and the loss of my wallet and phone, and no card usage since XX/XX/XXXX, and the loss of the card. Despite repeated attempts to resolve this through phone calls and emails, which have been met with automated and unhelpful responses over the phone and via email, the inaccurate credit reporting remains unresolved. 

Attached, please find screenshots of my up-to-date credit report from XX/XX/XXXX, showing the late payments and also the automated email responses from Goldman Sachs, asserting the accuracy of the reported information.
Product: Money transfer, virtual currency, or money service

Dear CFPB, My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL XXXX cell : XXXX I would like to complain about Coinbase ; a company registered with XXXX. 

Coinbase , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX is not regulated in the United States where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes. I had opened an account with Coinbase to purchase and hold my cryptocurrencies. While Coinbase accepted my deposits, they completed transactions with a company called XXXX. This company took my cryptocurrencies and disappeared. I have attempted to contact both XXXX, Coinbase, as well as : Legal Department / Complaint Department Date : XXXX Coinbase XXXX, XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
mailto : XXXX All attempts to communicate with these entities are ignored or denied accountability. The institution ( s ) has been silent on the issues raised in the letter and refuses to respond after several attempts of communication. 

I would like to have my deposits returned to me. 

Attached, you will find a copy of my deposits and transactions, along with the account numbers ( wallet numbers ) involved in the scam. 

It is my hope that you can assist me in recovering my stolen funds. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX XXXX  XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

I requested an investigation into my credit report because I have been a victim of identity theft. The account listed on my consumer report is NATLCRSYS acct # XXXX. I have provided this company with my official FTC identity theft report and yet they continue to furnish this fraudulent account on my consumer report. According to 15 USC 1692G they are required to provide sufficient evidence supporting their claim against me. The documentation I received does not bear this company name on it and it is a computerized document that could have been created by the person who committed to the identity theft. I have never signed any contracts with NATIONAL CREDIT SYSTEMS INC and they did not have my authorization to use my non public information. 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
Product: Credit reporting or other personal consumer reports

I filed with your agency approximately three months ago. In my initial complaint, I clearly stated that the accounts listed below are not mine. Despite providing numerous pieces of evidence to support these inaccuracies, I have yet to receive any proof of how Experian validated these accounts within the designated 30-day period. 

I am deeply concerned about the prolonged and frustrating nature of this process, which has affected me and placed a significant strain on my family. I kindly request your immediate attention to rectify this situation by removing the following accounts from my credit report : 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 XXXXn addition according to 15 U.S. Code 1681e - Compliance procedures Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

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. 

Please delete the accounts above from my account immediately if this is not done I will have to involve a lawyer and take further legal action to rectify this situation.
Product: Checking or savings account

This is my second time filing a complaint. I 'm complaining about the Bank of Albuquerque. I am not sure what agency I used to complain to before. They contacted my bank, and I received a phone call from my bank apologizing and refunding the NSF fees. He asked that I contact him directly in the future if I have another issue. I can not find his information. I called my bank, and they do n't seem to have the information either.
My bank will process the largest check first then the smaller checks/drafts especially if the larger check/draft will deplete the funds. Thus, causing instead of 1 NSF fee, it could be 2 or more. I have both a Business and Personal account with Bank Of Albuquerque. I have been known to transfer money to the wrong account, or forget to do a transfer, therefore causing an overdraft. I 'll accept responsibility of my errors. But, my bank is charging excessive NSF fees. The summer is my slowest time for my business and sales are very slow. These NSF fees have put both accounts in the negative and I currently can not operate my business. I phoned the bank and they claim they process the checks in chronological order. I find it extremely odd that it is the LARGEST check the comes in first, every day!! Years ago I complained and at that time they claimed that they process the larger checks or drafts first because they feel it is probably the most important. It is apparent they have a 'canned ' response for their bank holders that complain. It is my understanding this process is illegal.
I live in a community with a lot of retired people on limited incomes. How many other people are receiving these excess charges?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from BMW financial and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies BMW had reported. What had once been a XXXX XXXX dealership was now a BMW dealership and they effectively laughed at me and told me " good luck ''.
Product: Debt collection

I'm serious about suing your company for failing to investigate and remove inaccurate information from my credit report, as required by the law. I've repeatedly asked you to address the issue with the specified accounts linked to DEPT OF EDUCATION/XXXX  but you haven't taken any action, violating the Fair Credit Reporting Act. Please remove these accounts promptly, or I'll proceed with legal action.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, and Proof of Address.
Product: Debt collection

I used XXXX for the purchase of my CPAP. I was never informed it was a rental, was sent unbelievable amounts of supplies and billed. I was never told I had to go back to them and have another test. Besides, XXXX does not tell me I need more testing my doctor does. They never billed my insurance even though they have the information. I was told a year ago when I called them I owe nothing. I received in XX/XX/2023, 1 year later after I was told on the phone I owed nothing, a letter stating I owe them {$450.00} arrived. They have refused to speak with my wife or my insurance carrier, XXXX. But in an attempt to resolve this issue XXXX did a conference call with them, my wife and the young man. They promptly hung up on this vitriolic conversation. As always they are rude and hang up this is how they resolve things. I have sent numerous letters Certified mail after they sent me to debt collection company. In each letter I have asked to have the invoice showing services, what I paid etc. To date, I have not recieved anything pertainign to my requests from the debt collection company or XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sent me a letter once again with no invoice of services rendered etc. She alleges I received numerous letters requesting I return the unit etc. I have NEVER received any such letters to date. Even if I return or pay this amount, what is to stop them from billing me more etc.? I feel they are trying to take advantage of me since I am a senior citizen. Help
Product: Checking or savings account

On XX/XX/2018 I I tried to deposit {$1000.00} into my Wells Fargo checking account. I used a remote ATM. I counted the money three times before I attempted to deposit the cash. I'm 100 % positive of the amount I put in the machine. The machine scanned the money and said, " deposit {$780.00}, correct ''?. I didn't see any option for incorrect money so I hit cancel. 

When my cash came back half of it was folded, crinkled, and had to be pulled from the despensor. It also only gave me back the {$780.00} that it said I put in. Again, I'm 100 % sure of the {$1000.00} I put in the machine. I was shorted {$220.00}. 

I immediately called the bank to see what to do. The person on the phone instructed me to tell him what happened and he would file it as a " claim ''. He told me this type of thing happened and they would take care of it. He said they would send someone out and it would probably be taken care of the next day, up to 10 days. 

I called the back a couple of days later after not hearing anything back. She told me the claim was still " open '' and that I would recieve a letter within 10 days. 

The letter I recieved said I would recieve " XXXX '' dollars back because the machine scanned the {$780.00} dollars. 

I called and spoken to several representatives at Wells Fargo for several hours ( most of this time on hold ). They transfered me back and forth between a representative and " the exective office ''. Neither department could tell me anything other than they had no overage on the ATM machine count. They said their reports showed no " jams ''. The money I recieved from the ATM machine was clearly jammed. 

I've asked what methods they use to investigate this and nobody could tell me anything other than the case was closed and there was no overage. 

I'm extremely frustrated and feel that I have no safeguard with my money against the bank. I was shorted {$220.00} from Wells Fargo and feel helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX XXXX, XX/XX/XXXX experian, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, Experian reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. Experian is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, experian and XXXX can not report different payment data. It has to match. The date of last activity is different from XXXX  XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.
Product: Checking or savings account

Capital one flagged my account for fraud because I received a loan from the SBA. Im a sole proprietor and have been a private XXXX since XX/XX/2015. SBA says since my business is conducted in my name and SSN I can use a personal checking account. I also have an EIN number. Which Ive provided capital one with my ein, XXXX tax returns. Sba promissory note and 1099 for the last 3 years. They have froze not only my checking account but my savings account and will not give me a time frame of the on going investigation. Furthermore they have said they plan on giving sba back my funds but according to my bank account my funds came from a lender. Fraud department says they only thing I can do is leave a voicemail to a fictitious number or email in my documents which I have 4-5 different times
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XXXX XXXX
Product: Mortgage

My wife and I filed for Chapter XXXX Bankruptcy protection on XXXX XXXX of XXXX. At that time we had a first mortgage and a HELOC, the later with PNC Bank. At the time of filing PNC Bank revoked my access to online statements. Since filing we have not received any ( regulatory required ) periodic statements from PNC Bank. We have completed Chapter XXXX payments on XXXX XXXX XXXX and received a discharge on XXXX XXXX XXXX Since that time we have not received periodic statements from PNC nor has PNC reinstated access to online statements. 
I have contacted PNC to address this issue and during that call was informed that we had missed multiple payments while we were under Chapter XXXX. We have no way to confirm or locate missing payments as we do not have any correspondence indicating when those payments were missed. I believe that interest continues to accrue on the missed payment amounts to this day, therefore PNC 's failure to provide required periodic statements has resulted in financial loss to myself.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX 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 an 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

There is I collection on my credit report that Im not aware of I never open any account with this company that sent me to collections for XXXXXXXX XXXX I need this remove immediately from my credit report