23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a defective product from a merchant called " XXXX '' and they refused to let me return their product even though they have 2 years warranty. I have paid almost {$3000.00} for the machine but received no resolution from the merchant. So I filed a dispute with Apple Card which I used to purchase the product. However, Apple Card did not properly look into consumer 's terms and agreement properly and sent automatic generic rejection of dispute every single time and ignore all evidence i sent. 

I have been submitting the same dispute to Goldman Sachs XXXX times and have requested the reasons why the dispute was rejected. However, they did not send any communication though I requested for the reasons of dispute rejection. In addition, I kept getting the same automatic response from the company with generic reasons like " Based on our review, the original decision will remain because there is no evidence to substantiate the claim ''. I have called the customer support numerous times and asked what proof i needed to send to and have sent every documents that they have asked me to send. However, there seems to be misalignment between the dispute reviews team and the consumer facing team. Though all requests and evidence have been submitted to apple card, the dispute team did not look over what was sent and kept asking the same thing over and over again, resulting in disputes kept being reopened but no clear resolution or definitive answer to why dispute was reject it. I believe Goldman Sachs/Apple Card did not follow appropriate procedure to handle dispute. Also, in XXXX, they closed my apple card, causing a dip in my XXXX XXXX as i have a long credit card history with them for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Vehicle loan or lease

I have an auto loan with Santander for my 2019 XXXX. During the pandemic I called to refinance for a lower rate after making on time payments and they declined. I continued to make payments until I fell iXXXX XXXX XXXX. I had to request a few extensions. During one of the times I had a hardship, I was told that I was approved for the payments to be deffered but I never received any paperwork to sign so that resulted in a negative report on my credit and my credit score was lowered. The company refused to help even though I explained that the hardships were XXXX related. My vehicle was recently totaled in XXXX, on the date the payment was due. I called Santander to inform them and ask how I should handle paying or if I should be waiting for the insurance to pay it. I was told that my account was in the legal department and someone would call me back. I never received a call so I called back a few weeks later to see what my next steps should be and was again informed that I would have to wait for the legal department to give me a call. They never called. I called again today and was told that my payment will now be reported because it is past due and that I should have just mad a payment even though the car was totaled in XXXX. I tried explaining to the representative that I called several times because I didn't know how to handle things and that at this point I really could not afford another negative impact to my credit but she would not hear me out and insisted on transferring me to the insurance department. I really don't know what to do and another negative mark on my credit will put me in my family in a horrible bind. This company continues to ignore me and pass me around.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Hello, I have had a negative item pop up on my credit report for a collections charge for XXXX XXXX. 
I have never had a XXXX XXXX account in my life. 
However, I did have identity theft earlier this year. My bank stated that the person had my email and phone # on their application. 

I contacted XXXX and have been told that Amsher verified this as an accurate collection against me. I would like to know where they obtained this information. 
I tried several options to contact them on phone lines and no matter which path I chose, at some point the call disconnected. 

If I am in collections, how come I have never received a letter or phone call. My cell # is XXXX and is with XXXX. 
Please phone me immediately to discuss this. 

This happened on XX/XX/2022. XX/XX/XXXX, Amsher collection verified it as an accurante debt. The debt is for {$460.00}
Product: Debt collection

Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, requires the elimination of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed are inaccurate in their reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Consumer Credit Transaction with your financial institution Bank of America, executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties '', which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Please be advised that have not given your company consent to share my " nonpublic personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 USC 6802 ( B ) lb " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' 15 USC 6802 ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : Bank of America XXXX 

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 U.S.C 1681. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; XXXX, XXXX, and Transunion. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.
Product: Debt collection

On XX/XX/2018 while traveling to an appointment I started to receive calls from an unknown number. After recieving repeated calls, I called the number back to find it was Chase informing me that my account was past due.I received 5 calls total of harrassment between XXXX-XXXX on XX/XX/XXXX. I believe I had payed that account already so I requested a payment history be mailed out. 
On XX/XX/XXXX, even after requesting a copy of my payment history, I recieved 3 more annoying calls between XXXX -XXXX. At this time i reviewed my online banking & an authorized a payment of {$200.00} to Chase. 
On XX/XX/XXXX, i get off from work to find that I already have 2 missed calls from Chase. I call the number back @ XXXX. I speak with a representative named XXXX. I informed him that i had request a payment history but I had also already sent over payment because of the amount of calls I was receiving. I informed him that the calls were excessive and his response was that it was not a representative but an auto dialer and that my payment had not been recieved. I verified with XXXX that the payment was pending on my end for XX/XX/XXXX. I again informed him that the calls were excessive and that more than 2 or 3 calls should not happen. He ignored my concern & stated he would note my account that a payment will be made XX/XX/XXXX which should end the calls. My concern is that a limit of calls needs to made with their " auto dialer ''. No customer should recieve 5 calls in one day for any reason. These calls were within a 9hrs period & often less than 2 hours apart.It is abuse and harrassment and needs to change immediately.
Product: Credit card

American Express charged me a spurious {$15.00} penalty on a XXXX AMEX  credit card after I had cancelled it and attempted to pay off a {$15.00} balance using my AMEX bank accounts! 

I cancelled my XXXX AMEX card XXXX XX/XX/2023. I sent the final payment balance of {$15.00} immediately from my AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the payment did not go through. AMEX instead tried to draw the payment from my AMEX checking account which did not have sufficient funds. Therefore the initial payment was rejected. 

After speaking with an agent approximately a 7 business days afterward ( upon discovering did not go through ), she assured me that I should transfer funds from the XXXX to checking and the system would automatically draw funds from checking, which eventually did happen. 

On XXXX XXXX, I discovered that AMEX charge me a Return Payment Fee of {$15.00}. I called AMEX and challenged this spurious charge. This so-called penalty fee is a classic example of consumer financial gouging. I have never had a late credit card payment in 30+ years of using credit cards. This over-charge is why the United States needs the CFPB to protect consumers against spurious fees in the age of frictionless transactions. I am willing to talk more to CFPB officials if requested to do so.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
Experian : XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year> -- -- -- -- -XXXX  : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Money transfer, virtual currency, or money service

After XXXX months I finally received a refund check from XXXX XXXX ( XXXX ) The check less a Chase Bank check. XX/XX/XXXX i visited Chase Bank branch on XXXX XXXX in XXXX XXXX. The bank teller told me there is a XXXX fee for checks cash w/out a chance bank account. I said that was fine. The teller proceeded to cash the check and then notified me that there was an alert stating check is on that account can only be deposited. I expressed that I had never heard of that and the check was off a chase account. I asked to speak to a manager, and the teller said she was the manager and I then asked to speak to a regional manager. The teller went to the back and came back with the branch manager. He said there was a note for deposit only. Agin I explained that did not make sense. I called XXXX and they seemed confused too.
Product: Debt collection

I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports with the credit reporting agencies
Product: Checking or savings account

Hi, I have been a customer with Marcus by Goldman Sachs for many years. I have online saving acount and several CD acounts. 

About one and half months ago, I tried to transfer a relative big amount of money from my Marcus online saving account to my account in another bank. In the beginging, the trasnfer request seemed to be normal. But a few days later, I found out the transfer was reversed ( transfer did not fully go through ). So I called to Marcus and i was told my account now have a restriction and I must be re-authenticated before they can discuss my account details with me. Then we discussed ways to get me re-authenticated. The agent said he can not send one-time code to my listed phone number which is not linked to my name in their verification system ( which is odd ), and he can not verify me using my driver 's license since I am from AZ. Then he said he will mail a affidavit of identify form to me and I need complete the form in front of notary, and send the form back to Marcus. Then I waited for more one than a week without receiving the form in the mail. I called the Marcus again. Of course, I got a different agent. I had to explain the situation again, and, apparently the affidavit of identify form was never mailed to me. She promised to expedite mailing the form again. Then a couple of days later, I received several letters from Marucs saying all of my CD accounts are closed and I was shocked. I immediately called Marcus to ask why they closed my accounts. Of course, the agent could not discuss any details with me since I have not been re-authenticated yet. Then I kept calling them for a few days. And finally one of the agents told me that Marcus made a business decision to close all my accounts and will mail a check to me. No explanation was offered. It has been more than 10 bsuiness days since the closures of our accounts. But I have not seen a check in the mail yet. I am very worried. The worst part is that there is no way to get the Marcus agent to discuss with me about my account details. This is very frustrating. I
Product: Debt collection

I have noticed an account that is in violation of my rights, the FCRA, and the FDCPA. Below is the information regarding the account I am referring to. I am not liable for this debt with. I am not liable for this debt with XXXX XXXX and do not have a contract with CONSUMER ADJUSTMENT CO. They did not provide me with the original application as I requested. I have already filed an FTC report on them, and they have sold my information to another company. Please review the information above and have it removed immediately, as it violates my consumer rights and FDCPA rights. Thank you!
Product: Credit card

With my Chase credit card I had disputed a charge in XXXX. As per the conditions of a disputed transaction, I was legally not obligated to pay anything for the dispute. During the charge 's dispute period, Chase has billed me interest multiple times as I had not yet paid that amount due to the dispute. This conduct is incorrect, and if I am correctly recall it also is against the law to include and take interest from a transaction in dispute. I have contacted Chase multiple times in an act of goodwill to resolve the problem, but it has not led to any form of reasonable resolution whatsoever. Their customer service is very incompetent and not understanding towards the issue. I have wasted much time and energy trying to correct this problem, and I have exhausted all the ways to deal with them head on. I am contacting this organization to seek help in correcting this issue.
Product: Credit card

I was a capital one credit card holder for well over 4 years with an immaculate payment history with the company. There were numerous disputes that needed to be taken care of and I was able to provide proof of the dispute for 100 % of all disputes. I have been working on getting my money back and getting my account reopened for 2 years with this company. I was promised, by Capital One, that my XXXX accounts would be reopened after the disputes were completed. Not only did Capital One not honor their guarantee, Capital One fraudulently stole money from my secured card after they closed it. 

Capital One has literally led me on for over 2 years about reopening my account and I have proof. Between letters from their executive office making guarantees to me, then the individual in charge of my case abruptly leaving the Capital One and then my continued calls to the company and not getting back to me over the course of 10 months. I continued to reach out to Capital One and reached out directly to the executive office in the XX/XX/2016, yet again and continued to correspond throughout this year. After sending a massive package of documentation via fax and physical mail to go over and honor the dispute that I was explained would be taken care of, the representative in charge, never followed through. I called twice per week, every week this year alone, not counting the previous times. As I continued to send the documentation in, specifically for charges that were paid by other means, the representative continued to send me emails that he was working on the issue. 

The issue continued throughout the year until I received an email that the XXXX credit cards that were unsecured, would be open and that I would have a choice of keeping my secured account reopened or close it and I would be refunded the secured amount THAT I INVESTED IN, over {$1200.00} dollars. I chose to keep the accounts open and I have n't heard back from Capital One since the XX/XX/2016. 

XXXX accounts. 
XXXX unsecured - XXXX secured - Capital One needs to reopen all XXXX accounts A few of the account numbers ending : XXXXThere are an additional XXXX account numbers missing that Capital One can fill in
Product: Debt collection

Sent company a letter asking them to provide 4 pieces of information required to validate the debt, and all I received was a statement. Under the FCRA a statement is not debt validation.
Product: Mortgage

SLS mortgage has assessed a {$240.00} fee without proper notice or purpose. When I asked what the fee was for I was told for a " property assessment ''. I asked how this could be charged without any notice. And why. They said because I had a XXXX month forbearance they did it and charged me. I asked for the assessment that they were charging me for and they said they could not produce that. I said if I am charged for it, it should be supplied. They are taking advantage of those who lost income in a natural disaster ( XX/XX/XXXX Lahaina wildfire ). They should be reported and fined for this practice to steal/nickel dime those effected by natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a letter on XX/XX/2020 stating I needed to pay Chase Auto {$2800.00} because my contract had matured. The {$2800.00} was extensions and late charges. I paid Chase {$2800.00} on XX/XX/2020. Chase placed a charge-off on my credit report. It was not a charge off because I paid the full amt.requested before the deadline ( XX/XX/2020 ) I did not receive any other documentation from them before XX/XX/2020. I called Chase Auto and was transferred a total of five times because no one could explain to me what a charge-off was. How can they have charge-off and paid in full on my credit report at the same time. A Charge-Off means a lender has written the account off as a loss and the account has been closed for future charges. I Do NOT owe these people anything, yet they have it as if I still have a balance when you call. My credit report should not have a charge off listed. I wrote them they wrote back stating that the charge-off will stand. I called and a Credit Bureau Specialist was very rude she answered me sarcastically when I asked her to send me copies of letters that was mailed to my home address regarding this matter. She refused to look into addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$950.00}