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

XXXX XXXX PayPal SYNCB/PPMC Account number XXXX was never late in XXXX and XXXX of 2023. Please make sure the credit report reflects no late payments on XXXX and XX/XX/year>. Please update their credit report and have it reflected that PayPal SYNCB/PPMC Account number XXXX is in good standing and was never late. This needs to be reflected in their credit report. We hope this resolves the error.
Product: Credit card or prepaid card

Synchrony is claiming I owe them XXXX still. I paid odd the account in full in XX/XX/XXXX. I have solid proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I uploaded an identity theft report online to XXXX. On XX/XX/XXXX the dispute was completed & the account remained on my credit report.
Product: Mortgage

I am reaching out to you as my last resource in resolving this issue, which continues taking place month after month. Unfortunately, we are unable to resolve it thru the regular phone lines. 

We also contacted CEO of RoundPoint but no response as of yet. 

First, since XXXX of this year Round Point, decided to charge me escrow additional dollars every month and late fees for home owners insurance despite evidence was facilitated back in XXXX. 

Second, every month since XXXX RoundPoint doesnt allow me to pay my official balance morgage ( {$1000.00} ) but instead wants us to pay an additional over payment of ( {$570.00} ) in escrow. 

RoundPoint Mortgage Servicing continues pushing us to overpay and promises to refund us back within 10 days which never happens. 

Why should i continue over paying, including late fees and trust round point to save my over payments and refund me? Is Round Point going to pay me interest rate on all overpayments they are kindly saving on my behalf? Please Note this is extra money i dont have available and which is going to a supposely suspense account. I dont want Round Point to become my savings bank. This situation is very disrespectful to us as their clients, and i am hoping you are able to get answers on my behalf and help us reaolve it as soon as possible. 

If you are in need of additional details, refer to below facts gathered by my husband during his numerous calls made in the past. Ive also included attachments. 

Thank you in advance for anything you can do in our behalf. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I stated before as the consumer that I sent a certified letter with return receipt to all 3 credit bureaus requiring according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), that they are required by federal law to verify through the phyiscal verification of the orinigal signed consumer contract. Any and all accounts they post on my credit report. Otherwise, anyone paying for them for service could fax, mail or email in a fraudulent account.

I demand to see the verifiable proof ( an original Consumer contract with my signature on it ) no response accept XXXX  said they updated it but didn't send me any proof on file ( Section 609 ( a ) ) on the accounts I listed. I have attached both letters that was sent so they could notify the creditors or collections companies. So, I did notifiy you guys through the credit bureaus so you are still non-compliance because they said you were in compliance.

Your failure to verify positively these accounts have hurt my ability to get house and other credit. I have read the website CFPB, FTC and other sources. That under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX  I will be mailing out certified letter with return receipt today and have attachment them in this complaint. Please have them items deleted from my credit reported within 15 days. Because the credit bureaus said you guys to them you met the standards but you have committed fraud. As, goodwill gesture that all I want you guys to do have them deleted these items. So, by law of these accounts should be deleted no proof was given.
Product: Credit card or prepaid card

I was locked out of my Apple phone and Apple account because I forgot my Apple ID password after the IOA 16.1.1 " upgrade '' was forced downloaded on my phone. I save my passwords on my phone, which previously allowed for access through my unique thumb print. The recovery process allows for confirming my Apple credit card number ( Apple card through Goldman Sachs ), which I attempted to do by calling Goldman customer service to obtain. The credit card has no account numbers or even a phone number displayed on the card for instructions for who to call when you have any type of problem. I found the phone number by searching online. 

I spoke to a Goldman representative who informed me they " don't have access to my full credit card number, only the last 4 digits. Having been " locked out '' of my Apple account, I can't access my Apple credit card information which is in my digital wallet. Fortunately, I don't owe anything on my account, otherwise I wouldn't be able to make a payment because Apple won't recover my Apple account until XX/XX/2023. They transferred me to an Apple representative, whom also couldn't provide my full account number. 

I'm literally locked out of my profile, which includes access to both personal and business email accounts, all contacts, all financial records and accounts that are " digital '' in nature, as well as any preferred media locations. 

My concern is with Goldman Sachs inability to provide me with information that would have allowed me to recover my account information at Apple, but also Apple Corp for not being able to assist me recover " my data access '', which they should be able to do through a simple verification process. I get the security concern, but I could get them to a point where they would know I am who I represent to be. I had to go and purchase a new cell phone after having been " locked out '' of my existing phone, at which time a representative at XXXX XXXX XXXX could have confirmed my physical identity with Apple, should that have been offered. 

This is an unthinkable situation that is being driven by Apple and their partner Goldman Sachs. How can someone become " locked out '' from their digital profile, restricting or eliminating access to digital financial products.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

Hello, Square up processing payment is taking advantage of my hard earned money and hours of work. I usually work 12 hrs every day to survive. After square presented to me some disputed payment I presented back all the evidence that rides were completed from my end and also with customer information ( first and last name, email, billing address ) square inc is unfairly withdrawing money from my bank account and after 90 days square is responding that payment was returned to customers bank. 

I opened my account with square payment less than 2 months and I have loss of {$610.00} This is hardship and wage theft. This is highly illegal that my money is taken after the rides were completed.
Product: Debt collection

Financial services team has placed a collections on my credit report. The debt is not owed! It is false and fraudulent. 
I have attempted 2 times to have it remove from my credit report. The account is coming from XXXX XXXX XXXX. They are a very dishonest company with many negative reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX the accounts below has violated my rights Account name : date : XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} Account name : date : XXXX XXXX XXXX XXXX {$11000.00} Account name : date : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX date : XXXX XXXX XXXX {$390.00} XXXX XXXX date : XX/XX/XXXX # XXXX XXXX XXXX XXXX  date XX/XX/XXXX # XXXX {$570.00} ACCOUNT name : XXXX date : XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2019, Wells Fargo Bank withdrew XXXX per a Court Order instituted by the Law Office of XXXX XXXX for HOA fees. I was not contacted by mail or e-mail by the firm that the funds would be taken from my account and all the bank could tell me was that it was a Legal Order Debit transaction and they are authorized to take funds via a legal Order or writ from the Court. I am baffled by how this can happen and would like to know how I can prevent a Law Firm or creditor from doing this in the future is. For the collection of HOA fees. I would like to know what laws authorize a bank to withdraw funds when a debt is owed. Doesnt seem fair or right. Lots of consumers have debts out there that remain uncollectable until an agreement for payment is made with the consumer.
Product: Debt collection

OnXX/XX/XXXXapproximately XXXX I received a phone call from XXXX XXXX from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for maricopa county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.
Product: Student loan

XX/XX/2019 I noticed a late payment reported by FedLoans. I have not had any contact with this company about a payment or had received a notification regarding a payment due. I had a loan payment agreement with XXXX XXXX. After making payments with them to process the loan they were involved in a lawsuit and my payments were no longer taken from my bank account. Then I noticed on my credit report that I was late on a {$20.00} payment with Fedloan which I was never notified of. I then contacted Fedloan to see how and what the late payment was from they stated they had sent a notice to me and I was late for my student loan. They never established a payment agreement of any kind nor had they ever contacted me for this payment. I have since tried disputing the incorrect reporting and Fedloan processed my dispute as I did have a loan and the loan did belong to me. I never disputed having a loan I disputed Fedloan establishing a payment agreement without my knowledge or consent. The representative at Fedloan states they sent a letter to me but they did not have my address verified nor did they provide any proof any letters were ever sent.This has made a negative impact on my credit.
Product: Debt collection

Wakefield & Associates is attempting to collect a debt from XXXX & XXXX XXXX. The debt is not valid. I've repeatedly requested a XXXX XXXX XXXX from Wakefield & Associates. They refuse. Additionally, I have already responded to XXXX via letter disputing the alleged debt. 

I hired XXXX & XXXX XXXX to collect my trash. They didn't show up 3 weeks in a row, so XXXX investigated & returned my stolen money to me. XXXX & XXXX then rebilled me for the exact same amount I was just found not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Confidential info attached, please redact ) I have discussed with Citibank multiple times in the past 2 weeks about removing the records of delayed payments from 2017 on my credit report. The representative on the phone agreed but then I never heard back. I had to call Citibank multiple times and every time I got a different answer. It also put me on extended hold. Although I am glad that citibank agreed to remove, but the internal process of citibank is confusing and it is not giving me a clear picture of how it would be resolved. my last four digits of SS is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX -XX/XX/XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXXand paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and Equifax all three have failed to dispute correctly and are in direct violation of the FCRA.
Product: Student loan

Few years ago, I made a plan with them to get out of default status by setting auto payments. It was fine for almost a year then they decided to stop receiving my payments. I tried to contact them, only to discover that they transferred my case to a different company and claimed that I did n't make any payments after eight months. Which messed up the plan to get myself out of default status. They refused to work it out with me so I gave up and moved on. I applied for XXXX loan forgiveness instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian to get this inaccurate information corrected with no success to update the incorrect information on my credit file. 

Credit Bureaus are defamation my file, FCRA Section 623 And Reporting that they use is from XXXX to report the Bankruptcy ( which is a third party ) which is in violation of the FCRA. 

XXXX has no bankruptcy on my file yet Experian continues to report that information is correct from XXXX which incorrect.
Product: Student loan

I have repeatedly tried to pay my student loan from my checking account. Each day I have tried to pay, I have received a receipt for payment. However, the student loan company has no records of any payments, and says I am past due. I should not only be up-to-date, but I should have significantly lower interest because I have attempted to pay over XXXX XXXX of my XXXX $ principal. 

Relevant dates of receipts and amounts paid : XXXX : {$600.00} XXXX : {$300.00} XXXX : {$600.00} XXXX : {$600.00} XXXX : {$400.00} NONE of these payments show up in my Nelnet account history. I have received receipts and payment confirmation numbers for each payment. Additionally, I should not have to pay interest on the principal that I have attempted to pay off thus far. This is Nelnet 's error, not mine. They have not responded to any requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reopen complaint XXXX. The company, Ally Bank, didn't to respond to our complaint that their automated system failed to work - rather, Ally reiterated WHAT HAPPENED 'because their automated system didn't work '! In addition, their system sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX As a consequence, we were not even informed that their automated payment system failed.
Product: Checking or savings account

Currently all of thee funds in my checking account are available, but the bank didnt release my account and they have issues a hold on my account, they placed a hold and frozen my money, so Iam not able to make any transaction or withdrawl any of my money. The bank did not takes any actions to help me solve this issues, currently, the bank frozen all of my money in my account and stop me to makes any transactions on the account and lastly they also knowify me that my account will be closed and once they finished the reviews, the funds that remains on the account will be sends to me in a check but they either didnt mentions or gave me a date when will they finished reviewing the account, I have try to communicated so many times with the bank also going to the branch in person, no any actions the bank have done by the time now!
Product: Debt collection

I received a call from a XXXX XXXX who apparently works for Accounts Research out of XXXX, TN. He was attempting to collect a debt from a previous bank I used ( XXXX ). This was the most unprofessional and rude human being I have ever spoke with. He also claims he has attempted to call myselfand my fianc before, but we have no records of that ever happening. He also asked if I 'd received the letter about the debt and I said yes but before I could respond to tell him it was from the bank itself and not from a collection agency he was talking over me again making court threats and that he did n't care what my situation was. This company is not even BBB accredited and I do not like the fact that he has any of my information. This needs to be handled.
Product: Credit card or prepaid card

In XXXX of 2019, I closed XXXX of my Bank of America credit card accounts. At that time I had a small {$95.00} credit balance owed to me by the bank. Since I do all of my banking at Bank of America, I wasn't too worried about the money as I assumed they would send me the money eventually by check. 
In XXXX, Bank of America finally removed the credit card from being viewed in their online portal. At this point - I confirmed that I had not received the check or a payment. From that point on, I have called Bank of America 5 times. Each time they claim that the check is in the mail and that I just need to wait 5 business days. Each time I call back, they deny that anything has been done previously and I am forced to start the process anew.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XX/XX/20 I called in wanted to find out information on my dispute. I waited 2 1/2 hours on hold, only to be told that I couldn't be helped over the phone. I was told the issue of lock out of my account was to be escalated. I would receive an email withing 24 to 48 hours ( that didn't happen ). When calling back XX/XX/20, the person who answered could not get into my account. I asked for a supervisor, another 2 hrs, only to be told there was nothing that they could do. That I could send a letter to Equifax.
Product: Debt collection

I was contacted by a collection agency on behalf of XXXX requesting an amount not owed. I reached out to the original creditor to validate the service amount. it was verified that I did not owe what this collector is requesting. I am requesting immediate removal from my credit report as this is against the law for them to report a balance that is not due and that has been verfied by the original creditor not owed.
Product: Credit card

I received a letter in the mail from CitiBank stating that they never received a payment. Despite having and sending proof of the payment, two missing payment investigations have been started and closed, both stating the payment " could not be located ''. This will now put a flag on my credit reports that I recently just reviewed and fixed, as well as XXXX me out of {$100.00}. This is not the first issue I 've had with making payments to this bank via check that they somehow also lost
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that is currently listed on my credit report. The bankruptcy case number XXXX, dated XX/XX/year>, is incorrectly associated with my credit file. Upon further investigation, I have found that this bankruptcy case pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect bankruptcy information from my credit report. Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX