23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My complaint is with Goldman Sachs in regard with Apple Card dispute. Upon receiving the item from XXXX- the wallet didnt meet my expectations and I could NOT find the address or customer service number online. Happened in XXXX of 2023 and I called the credit card company thru XXXX XXXX XXXX Goldman Sachs refused to provide me the address of the company or contact information because I need to return the item ASAP. That has been dragging on for over 2 years. Goldman Sachs gave me the address, after the time passed of 40 days has passed. Goldman Sachs blame me for the transaction and they wont honor the {$89.00} refund. Why am I to be blamed when I returned after 40 days has passed when the credit card company initially refused to give me the contact information within 2 days? Why did it take them so long to provide me a credit? I feel used because I am handicap.

Thanks for reading this.. Im also XXXX  and email is the best way to get in touch with me
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting that I was late on my payments for XXXX days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to Experian, XXXX and XXXX, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting on behalf of XXXX XXXX about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of payments. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is still open. 

Late payment is for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX but those payments were made. 
XXXX payment was made on XX/XX/XXXX for {$30.00}. 
XXXX payment was made on XX/XX/XXXX but my minimum payment of {$30.00} was made XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$9700.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXXXXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

Purchased item from Retailer on XX/XX/XXXX that was part of a " Equal Payment No Interest '' promotion period of 48 months along with an exchange program. We exercised the exchange program with the Retailer and paid difference for replacement item on XX/XX/XXXX. Item was to continue as if same original transaction and be on the " Equal Payment No Interest '' promotion period of 48 months with Store Credit Card ( Synchrony Bank ). Statement indicated a " Deferred Interest/No Interest If Paid In Full '' for 19 months for this cost difference transaction. Retailer insists it " coded '' the transaction correctly - should have gone to Store Credit Card Company as 48 month promotion. Store Credit Card Company insists it was coded as 19 month promotion when they received it. 
Vi telephone on XX/XX/XXXX, Store Credit Card acknowledge that Retailer issued notice to them on XX/XX/XXXX indicating the transaction should be 48 month promotion. Store Credit Card Company also indicated that the corrected statement would not reflect change for 2 months and I would be required to pay minimum balance or be accessed a Late Fee. 
I am being required to pay an additional amount for the two months while the correction catches up with the paperwork. Additionally, I will not be given the credit of this over-payment in subsequent billings - my future billings once the correction kicks in will be the original equal payment over 48 months, i.e. if my promotional transaction was 4 equal payments of {$25.00} totaling {$100.00} and I was required to pay an incorrect minimum of {$30.00} for payment 1, my remaining 3 payments would be {$25.00}, {$25.00}, and {$15.00} respectively. 
The initial customer service rep understood the error and attempted to correct the minimum payment requirement, but was unable to do so due to his access rights. The subsequent Account Supervisor/Managers I spoke to were condescendingly belligerent and argumentative ( both the company and I recorded the calls ). They argued that if I did not make the " Minimum monthly payment '' I would be charged a late Fee. I purported that, due to the fact the account was in error and their acknowledgement of such, the minimum should be the transaction amount divided by the number of months per the terms. They continued to argue that the terms indicate that I was required to pay the late fee regardless of any error until the error was corrected.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX. I received a letter on XXXX stating that I needed to call in so they could verify some details. They asked for a phone number to verify that they could send me a code. They said the phone number I provided didn't work ( it was a XXXX XXXX phone number ) and that I would not be able to try again. They said I could re-apply in 30 days but it would be another hard pull on my credit report. So I was denied a new credit line not for any dings on my actual credit report but because the phone number I provided for verification didn't work and they could not try any other phone number. This is definitely an extremely trivial reason to deny a credit application.
Product: Credit reporting or other personal consumer reports

Im victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$530.00} XXXX  XXXX balance {$130.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX balance {$0.00} XXXX  XXXX balance {$130.00}
Product: Mortgage

I am writing this complaint to request assistance with what I believe is an oversight related to the national mortgage settlements. I purchased my home in XXXX, 2007 with what I now know was a predatory, adjustable rate mortgage loan through XXXX XXXX. I unknowingly received XXXX mortgages when I purchased my home because I did n't qualify for the purchase price of {$320000.00}. Somehow XXXX approved me by giving me XXXX separate mortgages on the same day ; a first and XXXX mortgage. When I realized what was happening I was already emotionally invested and on a deadline to move out of my apartment. I had never purchased or lived in a home for that matter and was nave to the business ; and the alliance between the realtor, seller, and attorney " suggested '' to me. My home is currently in foreclosure and only worth XXXX {$140000.00}. 
My 2 XXXX XXXX have been transferred several times over the past XXXX years. XXXX, XXXX, XXXX, 21st MORTGAGE, and XXXX XXXX XXXX have serviced me since that time. 
I received a letter from XXXX XXXX XXXX back in XXXX forgiving my second mortgage due to the settlement with the DOJ. I never received any offers or notices of settlements from the other mortgage companies ; and I 'm wondering why I was n't entitled to any relief or reduction in the first mortgage, which is now being serviced by 21st MORTGAGE CORP . I am bankrupt and in debt just because I wanted to live the American dream! What 's worse is I faithfully paid my mortgage for XXXX years- over {$120000.00} in just interest-and now I 'm losing everything because I had a reduction of income after the birth of my son XXXX. I did everything I could to keep my home. I filed for Chapter XXXX. Modified. I just could not keep up with the XXXX mortgages and payments to the trustee without choosing between food for my kids and paying all my other bills. I just want to know if I 'm entitled to anymore help after such a farce has wiped out my entire life savings and left me in debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX XXXX  , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Mortgage

My company, Nationstar, refuses to process my mortgage check in a timely manner and has only sent my XXXX billing statement, although I have been with this company for 4 months. It took XXXX days from the day that I mailed my check until the day that the company acknowledged that it received my payment. In the XXXX years that I have had a mortgage I have never, ever had a late payment. I had to cancel the check and pay over the phone. The company still has this check, and apparently can re-deposit it after XXXX year.
Product: Credit reporting, credit repair services, or other personal consumer reports

for over 2 years I have not even able to get my Experian credit report and on XXXX XXXX my XXXX  has not updated since XX/XX/2015
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
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: Debt collection

Credit Acceptance claims I owe them over {$4000.00}. Ive repeatedly tried to contact the finance manager, who will not respond to my calls or mail. I talked to XXXX once on the phone, then he was supposed to call me back and never did. I left several voicemails for him to call me back. I continue to get wrongful late charges on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to complain about the Facially False data reporting of my Account at Best XXXX  XXXX which account was reported as Closed At Consumers Request on and before XX/XX/2023 but between XX/XX/2023 and XX/XX/2023, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.
Product: Mortgage

On XX/XX/2021, property taxes were due. My mortgage servicer failed to pay my property taxes and I received a delinquent property tax bill at the end of XXXX. More penalties, charges and interest will be put on my home if the property tax and the penalty is not paid by the end of the month ( XX/XX/2021 ). 

We have never missed a payment for our mortgage, and escrow has enough funds to cover property tax. I called NewRez / Shellpoint Mortgage on XX/XX/XXXX to make them aware of this situation and to make sure the property tax, in addition to the penalties, is being paid out. I followed up on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my property tax still hasn't been paid. All the customer service representatives told me that there is still no response to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this information with XXXX and they already deleted the inquiries. I disputed this with TransUnion but they refuse to delete it because they verified this information. I am requesting to receive the documentation of whom they verified this information because it wasn't with me. If they are unable to provide this documentation I am demanding that the 11 inquiries be deleted.
Product: Prepaid card

I am filing a complaint against XXXX XXXX and Branch Messenger , Inc. for violating the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531, 5536 ). As a Spark Driver, I was forced to use a Branch account without consent, restricting my access to funds and causing financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX, there was a large amount of water usage documented at my property, incurring a total charge of {$1300.00} with late fees included. I reached out to the company to dispute the charges back in XXXX XXXX, with no response from anyone. I was told my concern was pushed up to supervisor and they would contact me but that never happened. They sent a tech to check the water meter and I was told the meter reader was fine. After that, I waited for a phone call and/or email but nothing. Fast forward XX/XX/XXXX my account was sent to collection with no justification. I recently sent a personal letter to the company, including a letter from the property management company that was in charge of the home during the time the charges occurred. 

This company has been unprofessional, unresponsive, and horrible with assisting me with my dispute. 

Please reach out to me for additional information at XXXX and/or by phone at XXXX. 

Thank you.
Product: Credit reporting

Transunion is improperly sharing my report and improperly allowing people to open accounts in my name despite me placing a fraud report on my account and doing as they asked which is provide a notarized statement saying the inquiries are unauthorized. They refuse to remove the inquiries.
Product: Debt collection

I received a notice from your company to my mother 's mailing address that is not my mailing address for a debt that I never received an invoice for. I do not have an idea of who XXXX XXXX XXXX is and I have not received an invoice to my home mailing address which is the address I use for everything. I would like to find out who this company is that is charging me XXXX. I can pay the money if needed, but I should not be getting sent to a collection agency when 1. I have not received a bill and 2. the address used to send me to collections is not even my mailing address.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Over the past XXXX years, I have utilized the Robinhood trading platform. Currently, my account holds a total of {$580000.00} ( with a peak value exceeding {$650000.00} ). However, Robinhood sold all of my assets without my consent, resulting in a substantial loss of over {$70000.00}. Despite providing my bank statement, identification, and selfie for verification, Robinhood abruptly closed my account without providing any valid reason. It has been more than a XXXX since I initiated communication with Robinhood regarding this matter, yet they have consistently refused to respond to my emails. My funds are still in Robinhood and they are refusing to return them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

The below details a series of issues with Shellpoint Mortgage Servicing, stemming from an incorrect tax payment made by Shellpoint Mortgage on my behalf. A timeline of incidents as follows : XX/XX/XXXX The building we moved in to was completed and Certification of Occupancy was granted by the city of XXXX. 
XX/XX/XXXX - We closed on our condo in that building. 
XX/XX/XXXX - XXXX XXXX transferred our mortgage to Shellpoint Mortgage Servicing XX/XX/XXXX - Shellpoint Mortgage incorrectly paid the XXXX XXXX taxes for the original two parcels that our building stands upon for {$19000.00}. Because the building just received its certification of occupancy in XXXX of XXXX, each unit had not been assigned its own Parcel at that point. There at 34 units in the building. Shellpoint mortgage paid the taxes for all 34 units. 
XX/XX/XXXX - We became aware of the tax issue and informed Shellpoint by telephone. We were informed that a resolution ticket was opened with the Shellpoint Mortgage tax department. 
XX/XX/XXXX through XX/XX/XXXX - I've called roughly 50 different times to get an update on the status of resolution, but nothing has materialized. 
XX/XX/XXXX - We received notice that our monthly payment would be increased by {$2400.00} to pay down our incorrectly applied - $ XXXX escrow balance. We called Shellpoint immediately to inform them of the mistake. We were told that another escalated ticket was opened internally to handle the mistake. We stopped auto payment until the issue was resolved. 
XX/XX/XXXX ( cont. ) - We received notice that Shellpoint will be transferring our loan to XXXX XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. 

Our primary concern is that with the hand off to the new lender, this issue will not be resolved appropriately, especially if the new lender doesnt have the detailed history of this issue and our correspondence. Ive been assured dozens of times over the last year that this issue will be resolved, but it has not. In addition Ive spent dozens of hours on the phone trying to resolve mistakes made by Shellpoint Mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.