23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XX/XX/XXXX I made a payment of {$3100.00} to my Apple Card using a linked bank account. 

On XXXX XX/XX/XXXX, I attempted to make a purchase of {$2500.00}, but my card was declined. I checked my bank and confirmed that the payment posted on XXXX XX/XX/XXXX. I reached out to the Apple Card team at Goldman Sachs and asked why the payment I made hadn't been applied to my account. 

This is their response : " Payments can take longer to reflect in your available credit as stipulated on your Card Agreement. We have received your payment, and your bank may have deducted the money from your account ; however, there is still a window for payments to be processed. We will make the funds available on,XXXX. For future reference, payments made with Apple XXXX usually release instantly. '' On XXXX XX/XX/XXXX, I again reached out to the Apple Card team at Goldman Sachs and asked why my payment had not been applied. 

Their response : " Thank you for waiting. I see here there is a payment on hold, that was placed on the XXXX of XXXX. '' I asked : " Why is it on hold? '' Their response : " I understand the situation and how important this payment is for you, however, we are not able to expedite the release of your available credit. Please keep making your payments on time. As of right now, your available credit will be updated on XX/XX/XXXX. '' I asked : " Why is the payment on hold at all? '' Their response : " We have received your payment and your bank may have deducted the money from your account, however, there is still a window for processing payments. This can only be done automatically by the system. '' This did not answer my question of why my payment was 'on hold ', so I asked a different question : " What is the window for processing payments? '' Their response : " There is not a specific time frame, but when you made the payment on the XXXX will be released on the XXXX of XXXX. '' Now twice I've been told that there is a 'window for processing payments ', and now 'there is not a specific time frame '. 

I asked the rep, which of these questions they could answer : " How long is the window for payment processing? '' or " Why is my payment on hold? '' Their response : " In your case, the window for this payment is 10 days. '' I asked : " Last week it was 7 days, so why is it now 10 days? What changed between the XXXX and today? '' Their response : " I do understand where you coming from. We always value customers who are keen on providing us with their feedback. So I will make sure the information will be passed on to the higher-level team for further review. But as of right now, the money will be released on the XXXX for new spending. I can assure you that no longer than the money will be available no later than the XXXX. '' I've attached screenshot of the conversation. 

I found similar complaints that Goldman Sachs is delaying payments for Apple Card users online. 

" XXXX XXXX '' - XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX " XXXX '' - XXXX XX/XX/XXXX XXXX : XXXX It would seem that Goldman Sachs has been doing this for some years and has done nothing to change their practices.
Product: Checking or savings account

I have been trying to apply for an account with Chase Bank, but they are denying me based on no factors at all. I later than received a phone call with them stating that I was at a customer along time ago, but I never was because Ive been with XXXX XXXX XXXXXXXX for close to XXXX  years. I was also told that I have been blacklisted from them from an account that I never knew or never had and I would like to figure out why is it that Im unable to get a bank account with them when Ive never had an account with them at all.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXXXXXX ], [ CLOSED ACCOUNT ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay
Product: Debt collection

Only notice I have is it appears on my credit report. I have no idea what it is since i have not received any mail from them.
Product: Debt collection

A lien was placed on my property after a XXXX Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was XXXX a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.
Product: Checking or savings account

Capital One Had issued a check for closing the accounts with 360. Unfortunately, the check had expired. Capital One needs to issue a new check in order for me to redeem my funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Original creditor ( XXXX XXXX XXXX  ) {$170.00} XXXX XXXX XXXX XXXXXXXX Original Creditor ( XXXX XXXX XXXX  ) {$3600.00} I disputed both of these accounts on the exact same days as shown below : * Debt Contract Request XX/XX/XXXX * Disputed again stating I never had a contract with this debt collector, and asked for proof to be mailed to me. XXXX XXXX Debt Validation Request XX/XX/XXXX asking for billing statement. 
XXXX  Custom Validation Reason asking to please Validate this information with the creditors and provide me with any documentations. XX/XX/XXXX & XX/XX/XXXX
Product: Mortgage

Hello, We processed a loan modification with Deovemuehle mortgage servicing. We sent a payment of $ XXXX for past due amounts along with the loan modification agreement. 
In the terms and conditions it clearly states that the escrow advance would be added to the principal balance. It was not added and now we are showing 2 months delinquent and heading towards foreclosure again! 

We would like all fees refunded, escrow advances added to the principal balance as stated in the loan modification agreement, negative credit bureau reporting corrected credit and loan brought to current. 

We have been working with Dovenmuehle for 2 years to get this loan modified. 
Please help us save our home. 
Thank you, XXXX and XXXX XXXX
Product: Checking or savings account

On XXXX/XXXX/2021, I, the consumer, received notification that the XXXX XXXX XXXX XXXX XXXX executed two unauthorized electronic funds transfer for {$32.00} and {$0.00} via my PNC debit card. I received no benefit from the transaction. I contacted PNC Bank to dispute these transactions on XX/XX//2021 but to date, I have only received a refund for the transaction of {$0.00}.
Product: Debt collection

I received a mail Letter from XXXX & XXXX, XXXX ATTORNEY AT LAW stating that I own them a sum of {$120000.00}. 

This is the 4th company that try to collect the same account and the same Sum of money SEE ATTACHMENT...

I HAVE ALREADY SUMIT A COMPLAIN TO THE COMPANY LVNV FUNDING LLC TRUE THE CFPB, SEE COMPLAINT # XXXX LVNV FUNDING LLC IS PASSING AND OR SELLING ALL MY PRIVATE AND FEDERAL INFORMATION TO OTHER COMPANY OVER AND OVER I DO NOT OWN NON OF THIS COMPANY A XXXX I WILL BY NOW FILE A LAWSUIT AGAINST THEM ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CAPITAL ONE add a hard inquiries on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX took over our loan without our knowledge. It caused for lots of confusion in where payments were going. We had no idea and were paying both mortgage companies for over 6 months. During the transition our home burned down and we were displaced and not regularly receiving mail so I called in multiple times. We were sending payments in to XXXX XXXX but it wasnt going to the correct department. We had no idea. They have provided an incorrect address twice in XXXX  years. They also adjusted our mortgage without our knowledge making the auto pay not be enough to cover. They have never been paid late, as all of our payments have been on auto draft from my bank. Ive been trying to resolve this for a year and Ive been sent to several escalation departments or supervisors but no action taken. Ive provided historic payments for XXXX  months showing money being mailed on the first of each month. When reviewing with customer service they acknowledge that the payments did come in but were not processed timely due to them being in the wrong desk of XXXX XXXX. The supervisor corrected the address with my bank for future payment but refused to modify the adverse reporting. He also share that there was some type of late charge that had been carried over from a previous mortgage when they took my loan. Ive never been told of that but its whats been reported as over 90 days late and transfers month to month. Im in dispute about the {$440.00} late fee and refused to pay it with clear explanation to validate it. That could not be provided. We have over XXXX in equity in our home and recently experienced life altering circumstances forcing us to request equity. Because the the adverse reporting, we are unable to access our equity and when trying to get away from XXXX XXXX, no one will take us due to the late payment reported. The supervisor I mentioned advised me to report this to the credit bureaus and even gave their address and process for adverse reporting. He said he was looking in the notes and could clearly see the problems but was not able to modify on his end but the investigation would show it when they called and it should be corrected. Trans union reached out but said that I need to get XXXX  to change it so thus nothing is being done and my family remains in dire need to access our equity. Please help us!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX no acct # becase none is on my consumer report if this accout was charge off since XXXX i never recive a XXXX showing any imfo on this 15 US 1681-s
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$59.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$28000.00} XXXX XXXX {$650.00} XXXX XXXX {$18000.00} XXXX  XXXX {$650.00}
Product: Credit reporting 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 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 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 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 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 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX has received a certified inquiry validation letter from me as of XX/XX/XXXX. This company has not provided strict proof which includes my original signature. I requested the removal of XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX ( see one example in attached documents ). Only XXXX or the other has been removed from at least one of my credit reports since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 : Received a call from Chase Customer Service stating they had seen Fraudulent charges on my account. I had seen a fraudulent charge on my account and was working with the man from chase customer service on the phone to transfer money out of my accounts, close them, and reopen new ones, while recalling the fraudulent charge I had seen. The customer service agent calling from the chase number instructed me to Reverse wire Transfer the money. I did as directed. I then learned the Chase number was spoofed.

- Within 10 minutes of the transfers, I realized this was scam and had called Chase back to recall the wire transfers.

- Within an hour I had successfully submitted two claims with chase to recall these fraudulent wire transfers. 

XX/XX/2023 : Submitted an IC3 form with the FBI and submitted a police report with XXXX police Department. 

XX/XX/2023 : I reached out to chase asking for an update on my claims. 

XX/XX/2023 : Received an update via Chase Secure XXXX that the recipient bank ( XXXX Bank ) of the fraudulent transfers needed a Hold Harmless Letter ( or Letter of Indemnity ) submitted by Chase to return the funds. 

XX/XX/2023 : I went into a chase to submit this letter that the Chase wire service team had asked me to submit. Chase has no recollection of this form. 
- I called the recipient bank and they told me Chase bank has the form and has to send it to the recipient banks Corporate Investigation Team - I then called chase back and passed along this information. Was told by a chase representative that they could not help me and the recipient bank had to do it. 
- Recipient bank stated that it is chases obligation to complete this form as I am their customer, not the recipient banks. 
- Chase then told me they will no longer help me and it is up to me to get this form submitted to the recipient bank. I have no way to access this form as I do not work at either fraud department/investigation team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$96.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$10.00} ; Medical XXXX Balance : {$75.00} ; Medical XXXX Balance : {$21.00} ; Medical XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$310.00} ; Medical XXXX Balance : {$28.00} ; Medical XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Bank of America has been sending statements to my correct address, but for some reason changed the address on my last statement and sent that to a different address in another state. This resulted in someone else receiving my personal information. The company has not been able to answer why the address was changed but they did change it back. However, that does not change the fact that my personal information was sent to someone else.
Product: Debt collection

I received a letter on XX/XX/2021 from XXXX XXXX XXXX XXXX stating that I owed PayPal Inc. a debt of {$1200.00}. I have never made a purchase of this amount using PayPal and I need this to be disputed. I do not have a PayPal account and I have never made one before.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian, Transunion and Equifax for what I believe to be unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ) of 2010 and the Fair Credit Reporting Act ( FCRA ). These practices have directly impacted my ability to resolve serious issues of identity theft and have resulted in significant harm to my financial standing. 

Incident Description : has failed to properly convey my disputes regarding fraudulent activities reported on my credit report to the furnishers of information. The disputes that I submitted were distorted, truncated, and mischaracterized by Experian, thus not fully or accurately representing my claims to the furnishers. This has impeded the resolution of these disputes and allowed the continuation of incorrect information in my credit file. 

Consumer Financial Protection Act of 2010 : This act prohibits unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service. Experians practices in handling my disputes have been both unfair and deceptive, thereby violating this act. 
FCRA 611 ( Procedure in Case of Disputed Accuracy ) : This provision requires that credit reporting agencies must conduct a reasonable investigation of the disputed information, which includes properly forwarding all relevant dispute information to the furnisher. Experians failure to do so has violated this mandate.

FCRA 623 ( b ) ( Responsibilities of Furnishers of Information ) : This section outlines the duty of furnishers to investigate the disputes received from the credit reporting agencies. Incomplete or inaccurate communication from Experian compromises the ability of furnishers to comply with this obligation. As a result of these violations, I have suffered ongoing financial repercussions and undue stress. The failure of Experian to act according to federal laws has not only impeded the correction of my credit report but also prolonged the negative consequences of identity theft on my personal and financial life.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

I am contacting you because TransUnion claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. 
However, these accounts is STILL inaccurate and their companies is STILL continuing to report errors on my credit file, which is causing damage to my credit score.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my accounts was property investigation but how is that possible if the credit bureaus are reporting different information. 

XXXX XXXX XXXX number XXXX Amount {$480.00} Last verified date is not accurate, date of last activity is inaccurate, date reported is not correct, and the closed date is falsified. This account is XXXX XXXX XXXX. That is past the statue of limitation XXXX XXXX XXXX account number XXXX Amount {$960.00} Last verified date is inaccurate, date of last activity is incorrect, closed date is false, and date reported is invalid. 

XXXX XXXX XXXX account XXXX Date of last activity is inaccurate and the close date is false. 

I have provided XXXX XXXX XXXX credit report along with TransUnion credit report to prove my case.
Product: Debt collection

On XX/XX/2022. I was threatened of a judgement being filed against me and my wages would be garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 120 or 180 late payment for XXXX/ XXXX/ XXXX of XXXX and XXXX/ XXXX/ XXXX of XXXX. The account charged off on XXXX in XXXX, XXXX which means its not longer on XXXX/XXXX books and was transferred to collection company ( XXXX XXXX ). Once Therefore they should not be reporting to credit bureaus beyond the XXXX, XXXX. I believe that reporting from XXXX, XXXX until today should reflect either Failed to Pay or Charge Off. I have disputed this many times and it is still wrong with all the bureaus. 
In addition, please note that I have already settled account with collection agency.
Product: Debt collection

I have requested MULTIPLE time from this company to validate this debt which I do not believe I owe and have no knowledge of. I have sent several letters to both the collection agency and also to a " law firm '' whom I believe is n't a law firm but a fake letter meat to look like an attorney I have not received validation nor has this been removed from my credit while its being validated and it has also been disputed with all three credit bureaus with no success. I ask that this be addressed immediately as this has been going on for months.
Product: Vehicle loan or lease

I am trying to sell my car that chase is the lien holder on. Im a XXXX XXXX  in XXXX. In XXXX, in order to sell my car, I need a letter from chase stating I have permission to sell it. I contacted Chase on XX/XX/22. They stated they will not give this letter. They verbally state I have permission to sell my car, but will not put it in writing. 

I spoke to a dealership and asked if this was a requirement. The dealership stated it is required I contacted Chase again on XX/XX/22. My wife and i spoke to multiple people with no resolve. I was finally escalated to as high as I could go within chases customer service. She stated they dont give these letters. provided her with a copy of a permission to sell letter that another customer was issued. ( I have attached this letter to the complaint ) She said had to verify the letter came from Chase. She was able to prove this letter did come from chase but said they no longer do it. I asked why. No answer. Without this letter, I can not sell my car in XXXX. My Only option is to keep the car and pay It off. I am being forced into this loan.