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

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX / Experian XXXX XXXX
Product: Credit card

I applied for an Apple Card during a promotional period. The promotion was sent to me via email stating that if you open an account by XX/XX/year> and spend {$1000.00} or more within the first 90 days you would get {$150.00}. 

Account was opened on XX/XX/year> The following is the correspondence with Apple. 

I spoke with XXXX Apple Card supervisor XX/XX/year> He stated it would take about 10 business days for a reply in form of text, email, or phone call Option to submit formal dispute Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Details First name, email, virtual card #, $ amount of error, description lack of redemption # XXXX XXXX XXXX XX/XX/year> Chatted with XXXX at apple support. She set me up with a return call @ XXXXXXXX XXXX. Est. XXXX returned the call. Connect to Apple Pay team. XXXX connected me with Goldman Sachs. XXXX says I need to provide more proof. Connected me with XXXX the supervisor. Sent screen shots of the promotion emailed to me as well as the spend that met the requirements. XXXX says that I am not eligible because I opened the account on the XXXX of XXXX not on the XXXX. Even though the email clearly states the account must be opened by XX/XX/year>. 

XX/XX/year> XXXX @ Apple support. Has to reach out directly to Apple Card. XXXX ( Apple Card specialist ). XXXXXXXX is elevating the issue to a tier 2. I explained what happened with XXXX and he agreed the explanation made no sense. XXXX. Ask for card services and then a supervisor. 

XX/XX/year> XXXX at apple support called and left a voicemail. 

XX/XX/year> Itzasar ( specialist ). She transferred me to a supervisor. XXXX. Resent the inquiry with a screenshot with the email address. Expect an update within next 5 - 10 business days. 

XX/XX/year> I received an email explaining the terms but not explaining why I have not received the {$150.00}.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 reported in MONTHS REPORTING LATE to be removed 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. 

This company 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : $ {$650.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}
Product: Debt collection

I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers. 

ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.
Product: Bank account or service

I effected a transfer online of {$3500.00} from my checking to my savings account. Wells Fargo took the funds from my checking but did not place the funds in my savings. When I called customer NO service they said the transaction was pending subject to review and approval!! 
This is just another method of XXXX to steal funds from consumers. 
I transferred funds from my checking to savings. Wells Fargo took the Funds from my checking account but did not place the funds in my savings. When I called they said the transaction was " pending ''. 
So they keep my money and deny me use. If I did that it would be a thief ONLINE TRANSFER REF # XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they XXXX sent me a letter and then they will provide my with my report after I receive it. 

Then they send an email and ask that I verify my email address. 

3 steps to get a report that I haven't been able to receive still at this current time. 

My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.
Product: Debt collection

I received an email from. AFFIRM.COM stating that I owed them a payment. I have not purchased anything using Affirm so I contacted them. They told me it was a purchase through XXXX. I have not purchased anything from XXXX. I contacted XXXX and they have nothing in there system that I made any purchases from them. I let Affirm know those and asked for proof of what I bought and anything I signed. They sent me a contract with an electronic signature. I have never signed this contract, have never seen it, and have not bought anything from XXXX, and XXXX acknowledges this. Affirm only provided me with the loan contract with a statement saying it was electronically signed. 

I want this loan out of my name since this is not my loan, I never signed anything, never bought anything from XXXX. Affirm sent me an email back in XXXX in which I never even clicked on the link to sign anything since I hadn't purchased anything.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) 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. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Thursday XXXX I deposited a check via the app mobile deposit funds were made available and indicated the rest of the funds would be available on Friday XXXX. I called Friday after the funds were not available and was advised they would be available the the next day Saturday. Hours went past i tried go use my debit card it declined, i attempted to log into my app and was not able to. I called the regular customer service line and was told my account was blocked due to the check they accepted and sent an email stating it was accepted and it would take 24/48 hours for review but if I wanted to expedite the review i had to go into the branch on Saturday with documents supporting i was the business owner of the name on the check and they would make the funds available and unblock my account. I did exactly that and went to the XXXX nj branch with my federal and state documents including the check to prove i was the owner of the business just to be told i still had to wait 24/48 more hours for a so called review. I requested for them to provide me with the notification of why my account was blocked, i also requested for them to have a supervisor contact me on two occasions and still have not heard from a supervisor. I dont even have access to the money from my employer direct deposit I want access to my funds this was done without notification or just cause.
Product: Credit card

NFCU has yet again blocked us from accessing any of our funds, credit card, checking, savings. They never say why. They insist on me calling them but their phone system can not receive calls from an overseas system. This effectively freezes from any funds and puts us in severe financial distress. It nearly killed our son when he could not receive needed medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to delete and correct the following information in my file. THIS IS NOT MY FIRST TIME I HAVE REACHED OUT PERTAINING THIS MATTER!!! The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Debt collection

I was NOT sued - it 's the closest radio button to what occurred. My FIRST notice of this outstanding debt was an Alert from XXXX credit monitoring on XX/XX/2016. I contacted the collection agency and spoke with XXXX XXXX for information. Turns out its a bill from a drs office - I never received the bill for XXXX b/c they were admittedly mailing it to an address in XXXX XXXX - instead of my City of residence in XXXX. I informed them that they needed to remove this since I never received proper notice. After speaking to the Drs office who was apologetic about the mistake and indicated the collections agency would correct and remove as a mistake. Today I see that they added it AGAIN as UNPAID debt. Meanwhile the outstanding amount was paid YESTERDAY after a discussion with the Drs office. It 's retaliation and harassment. XXXX XXXX was refusing to acknowledge that their reporting was in violation of the FCRA during our phone conversation and intentionally pushed through an " UNPAID '' report to XXXX after I paid. According to the Drs Office - they notified the collections agency to cease and CORRECT the report - Clearly it was pushed through incorrectly on XX/XX/XXXX.
Product: Mortgage

My husband died and I tried to do a modification based upon my income. I started the process in XX/XX/2021. I filled out the paperwork and submitted bank statements each month as requested. My modification was denied in XX/XX/2021. I have decide to sell my home. My complaint is the payoff amount. They delayed the denial. I could have sold it in XXXX after the first submission. The payoff includes XXXX monthly payments. 
These additional payments should have been avoided if they would have offered me a forbearance. No options was presented to me.
Product: Mortgage

My mortgage was traded to Freedom Mortgage, XXXX 2015. Per line XXXX of my XXXX, I have a front foot assessment payment that is applied to my escrow. After multiple calls to Freedom Mortgage over a period of 6 months, Freedom Mortgage has advised me that they will only pay this assessment for this year and will not pay the assessment in future years. This is a breach of my closing contract. I never signed any documents allowing Freedom Mortgage to change the terms of my escrow contract. I have also requested documentation from Freedom Mortgage stating that they will no longer honor my escrow agreement. They have advised me that they will not send me any documentation stating that they will not pay the annual assessment.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XX/XX/2023 2023
Product: Credit card or prepaid card

Good day, I been having a big problem with capital one and im from the USA they send me to the XXXX and no one 's want to help or fix there technical support. 

I have been disputing a charge of XXXX since XX/XX/XXXX a product was damage and not the real product, it was wrong. I contacted them and they been ignoring me. So I reach out to my credit card. 
So they discriminate me my account. Because I had send them proof from above and I call to tell them about bthis broken product that is not the right one. 

2 ) now purposelyv they change my due date with out my authorization. I always paid after the XX/XX/XXXX 3 ) now been charging me late fee, so there's sobatage my acct. 
4 ) no names on the paperwork which it's unprofessional and dishonest. We need to have there name so we can ask for them.

5 ) now I want to reset my password and make some updates.

6 ) ; I was changing my password and the computer didn't allow me to. I was doing to enter the 3 cvc code so I can make changes. That didn't work.

7 ) I call up technical support and they said they didn't understand so the XXXX didn't know. What to do. 
8 ) then I wanted to update my phone number and there so lazy they don't remove the old ones. So now everything is pile up 9 ) there were going to send me a verification by phone and that doesn't work .I had a new phone a dum phone bwhich I can accept texts messages and I gave them new number and nothing went through. Nobody offer to help me .nobody was using there smarts. 
Then they lock me out sent me to fraud. For there harassing me my acct. Who does this. This company are dishonest unprofessional people. This has happened before .I contacted you guys has help me and capital one apologize .I got the USA. We're people no matter where we live.should be respectful and helpful. There were asking for mail proof. I don't know who those people are. I will never put my self sending information by mail. The same way this company CFPB don't want our information on this screen.. so retaliation should be punished a fine should be against them for giving us so many stress I felt I was having a XXXX XXXX. I had to see a doctor about capital. Please. They could of fix the trouble shooting why didn't they offer. This is discrimination abuse from capital one
Product: Debt collection

I got a copy of my credit report and saw that I was being charged {$640.00} for a debt that has not been validated nor have they ever contacted me regarding the debt I tried calling the agency and got no reasonable response to fix the problem
Product: Debt collection

I have a recorded call today of them implicating their attorneys when I requested them cease communication via all mediums especially my consumer reports. XXXX was very disrespectful and certain their attorneys would handle this in court. Also said because I sent a certified affidavit and cease and desist pursuant to 15 USC 1692c ( c ) that they do not have to stop communicating the debt to me which it says in that law clearly that they do. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has failed to investigate and or remove information from a consume report despite receiving proper documentation on the fraudulent accounts. I have disputed this information for over 1 year and Experian has refused to remove nor investigate these items. These items were included in previous complaints with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.
Product: Debt collection

Notice of Intent to Sue Under FCRA Violations and Privacy Act and Truth and lending Act Violations for Willful Negligence. ( XXXX XXXX XXXX CarMax Auto Finance ) Stated My Claim had no Merit Who is she to say what has merit in a legal claim her Document is untrue and misleading. ( XXXX XXXX XXXX CarMax Auto Finance ) Has to provide Necessary Disclosures of how they share my Private Non public Information and Give me Reasonable time to opt out of them Sharing Information to Non Affiliated third parties In which ( XXXX XXXX XXXX CarMax Auto Finance ) furnished information to the Consumer reporting agencies ( XXXX, XXXX XXXX and XXXX ) Im demanding this trade line be Delete from my credit file immediately. Its order ( XXXX XXXX XXXX CarMax Auto Finance ) Shall make the Necessary Changes within 10 Calendar Days. Also update the Consumer reporting agencies of this legal Dispute. I am expressing all my Consumer Rights and Opting out <CarMax> Failed to give full disclosures
Product: Checking or savings account

XX/XX/XXXX I got an email that my savings and checking accounts at Discover bank had been closed. I called multiple times speaking to representatives from their security team ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ). No one could tell me why the account was frozen. When asked when I would get my money back, they told me 60 days from the last date of deposit. Which would of been XX/XX/XXXX. Randomly, I received an email about a month or so after saying my accounts were closed. XXXX on XX/XX/XXXX said that i would not get my money back until 60-90 days. This was the first I had heard of 90 days at all. On XX/XX/XXXX, I spoke to XXXX who then said it has to be XXXX business days, and that they had until XX/XX/XXXX to release the funds. She offered to email " them '' to expedite the release of the funds. This was with no guarantee that it would actually happen. The XXXX business days was also new information. There has been nothing but inconsistencies with them. They do not tell you why your accounts were closed and treat you as if you are doing illegal activity. They refuse to give me my money back pending investigation.