23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that XXXX points were taken off my credit score on XXXX XXXX XXXX and the last company to run my credit score was XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX  by a manager/salesman through XXXX XXXX  and XXXX and I was denied the financial loan for 2 rings. I recently got mail from one of the Finance companies ( XXXX XXXX  ) stating that I was denied for Fraudulent behavior on my FICO score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and XXXX Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX XXXX XXXX  and XXXX XXXX  and/or XXXX. XXXX  XXXX  report to Experian. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, XXXX XXXX  shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/202XXXX XXXX XXXX  XXXX XXXX XXXX. A month after that first soft inquire was dated as. Comenity bank popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX points taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per Experian since then. In which per Experian they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the XXXX XXXX. I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The manager was the one that ran us for the loans, XXXX XXXX is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX points that are not justified, seeing how I was denied before the date XXXX reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
Product: Credit card

This is an Apple Credit Card issue - Apple and Goldman Sachs their banking entity are not providing their customers with their balance information before and after transactions/payments nor in their statements or App interface. They ONLY provide the CURRENT balance. There is no bookkeeping of historical balances throughout the month or on any previous statements. The only thing the statement offers is a list of transactions.

I was told by 2 specialists via chat and XXXX XXXX via phone that this is not something Goldman Sachs offers. 

By federal law a bank is legally required to provide you with a bank statement that details your account activity, including a breakdown of transactions, which is essentially a " statement breakdown '' ; this is particularly true if your account involved any electronic fund transfers ( EFTs ) during the statement period.

This is poor bookkeeping and a legally immoral practice of both Goldman Sachs and Apple , Inc.
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my XXXX, EQUIFAX, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, EQUIFAX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, I mailed a single letter consisting of four debit card charge disputes to Bank of America 's billing inquiries address as listed on their website : Attn : Billing Inquiries Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX The letter was delivered certified mail and received by a Bank of America agent 10 business days ago, on XX/XX/2023 as per USPS Tracking Number XXXX I am submitting this CFPB complaint because I haven't heard anything from Bank of America about my claim. Within the claim letter, I listed the four charges I am disputing, the reason why, the amounts, merchant name, and dates. As well as my account number. I am disputing these charges because I never received the service I paid for and the merchant has failed to help me despite my efforts to contact them. 

I have good faith that Bank of America will properly investigate and resolve my dispute, I am filing this complaint so it is done in a timely manner. I do not know what the agent did with the letter but I don't think it was filed since I have no messages in my bank account about my claim. Attached here will be the proof of delivery and also my original letter of dispute. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized account and multiple inquiries that have appeared on my credit report. I am a victim of a data breach that resulted in the compromise of my personal information. As such, these entries were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Account : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX 2023
Product: Bank account or service

I became ill in 2009. I was XXXX. I was charged fees of over {$600.00} by Bank of America for a roughly {$100.00} overdraft. They say they had a contract with me. It is my contention that I could not honor the contract not could they engage in a contract with me because I was XXXX. I have since become XXXX and am diagnosed with XXXX.
Product: Mortgage

I have been dealing with multiple issues with my mortgage. I have dealt with XXXX, XXXX, XXXX XXXX, and now SLS for years. I would say SLS is the WORST. I just paid off a Sherriff Sale on XX/XX/2019, sale date was XX/XX/2019. It was my second one in the last two years. The last one I paid off they did the same thing, added fees on that they would not explain to me. I was told that I had to send an email, they can not discuss my account over the phone, my loan was not reaffirmed. The fees say they are for Foreclosure on the statement. This time the fees are twice as much. They will force me to pay the {$1500.00}, instead of my payment of {$940.00}, fees are {$640.00}. I do not understand how I owe fees for something that was paid in XXXX. I made my XXXX payment early. For a long time, I was not even able to access my account. That changed finally in the last few years. Now I get statements and can access my account online. But they still have restrictions on my account because it was not reaffirmed. SLS is a very fraudulent company and should be investigated thoroughly. I know multiple people dealing with issues with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX.
Product: Credit reporting or other personal consumer reports

I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. 

IVE REQUESTED FOR XXXX AND EQUIFAX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK MERCHANTS CREDIT AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW.
Product: Checking or savings account

On XX/XX/XXXX I was advised by Chime bank that my account was being placed on hold until I can verify activity of deposits to my account. Initially and with much urgency I replied to the email and advised them that I had recently received XXXX rather large deposits into my account the first large deposit in the amount of {$19000.00} which came from a lender by the name of XXXX XXXX, this deposit was for a small business loan to support activity for my sole proprietorship as a seasonal XXXX XXXX. I received the loan from XXXX on XX/XX/XXXX. A few days later I received a deposit in the amount of {$8900.00} from an insurance company that goes by the name of XXXX XXXX  for a payout on my vehicle that was totaled in a recent car accident. Chime bank initially requested my picture Identification and anything that supports my proof of residence secondary identification and any documents that supports the deposits received. I then sent as a reply to the email my drivers license social security card a copy of my utility bill and the release that I signed for the insurance company along with a page from the company that sent the small business loan stating the amount and deposit account numbers for destination of the loan. After receiving the supporting documentation chime requested a picture of me holding my identification and a tax return transcript that supports sole proprietor and I sent those items to them as well. I also explained to chime that according to the sequence of deposits that I had already allocated and spent the funds that were deposited for my business loan and that the funds remaining in the account were my personal funds from employment cash transfers and the money from the insurance company. After going back and forth with them for 4 days I advised them that I had provided them with as much information that I could and that I didnt have anything else to give to them and they closed my account and said that I was ineligible for a refund they also stated that I wasnt in compliance with their internal policies and would not explain any further after I asked several times for an explanation. They made it as to where I can only talk to them via email and they no longer reply I had to find other avenues by going through XXXX bank to open a ticket for resolution. I was hung up on several times when they asked what I was calling about after verifying my account they would then disconnect the call.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this 
to be a stall tactic on your part to grant you an additional 30 days to comply with my original 
request, but I believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a 
complaint with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX); you may be liable for violating the Fair Credit Reporting Act 
(FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting 
of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes 
regarding the status of discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS provide proof of alleged items. I request to be provided with specifically the 
original application, contract, note, or another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and 
DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury 
NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this 
alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or 
the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure 
that bureaus report only 100% accurate credit information. Every step must be taken to assure 
the information reported is completely accurate and correct. The following information 
therefore needs to be reinvestigated
Product: Money transfer, virtual currency, or money service

I am filing a complaint against the company PAYWARD VENTURES operating under the trade name KRAKEN whose head office is located : Payward Ventures , Inc. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX Reason : misappropriation by the company Payward ( KRAKEN ) of a portfolio of assets in Euros and crypto-currencies for a total amount of XXXX bitcoins as of XX/XX/2021 ( i.e. approximately XXXX at the time of the event ). 

I blame the company : 1.for not having alerted me that two withdrawals, by a means other than the email that we do not necessarily consult in real time, one of XXXX bitcoins, the other of XXXX bitcoins were requested by an internet user based in XXXX ( which the company was aware of ) 2.not to have implemented a security leading to validate by the account holder, by one or two means ( email, SMS... ), a withdrawal of a very significant amount 3.for not having informed me that two withdrawals had been made on XX/XX/XXXX at XXXX UTC ( XXXX XXXX time ) 4.for not having responded quickly and up to the stakes to my insistent requests that I made to the support : the answers took several hours to come, and it took me three days to be able to reconnect to my account and find out that it had been completely emptied 5.of not having provided the security expected for a platform for exchanging the funds entrusted to it 6. to be responsible by these breaches for the total loss of my portfolio of assets up to XXXX Bitcoins Comment : before any intervention to be able to allow me to connect again, the support required to carry out a certain number of interventions that I had to perform, in particular to delete the browsing history, which is now detrimental to the analysis of events. The KRAKEN support being able to know that the funds had already disappeared, should instead have asked to preserve this useful information to document the possible phishing situation, whereas today the precious and useful data for the investigators has disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, Experian, and XXXX after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts ' lates will be removed. 
XXXX XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

Hello, I was unable to attach the XXXX  feedback to the complaint : XXXX. I am starting a new CFPB complaint to attach the document
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Equifax shows an inaccurate 30-day late entry in XXXX, which I have previously disputed. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report. 
Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Bank, XXXX XXXX Bank, XXXX Bank, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan.
Product: Credit card or prepaid card

I was making a payment in full to pay off the balance of my Synchrony Sam 's Club Card account. I was using the number written down on my checking account card when I first opened my credit union account ( 10 years ago ) and the number was incorrect. The payment bounced and I was charged an NSF fee. I reprocessed the payment and paid the card in full. This was the first and only payment that was an issue. I was informed that my Synchrony Sam 's Club Card was closed due to non-satisfactory payment history. I was then told that since I paid my card in full, I could have the account reopened in 7 days if there was no issue with the payment. After 7 days my account was reopened. Then I requested a credit limit increase and it was granted. In the meantime, I was unaware that my Synchrony Care Credit card was closed until I logged in to make my payment. I spent over 10 hours on the phone with representatives and nobody could help me get my account reopened. I was told to re-apply for a Synchrony Care Credit card. I applied and was denied because of unsatisfactory payment history, they were seeing the issue with the Sam 's Card. Again, this card was paid on time for many years and has had no issues. And even here, the issue was with a different account. After I was denied, I disputed the decision and sent in a credit report with proof of my satisfactory payment history. I am now being told that since I re-applied for a Care Credit card and was denied, that my Sam 's card was reviewed again, and closed once again. I had ONE problem with ONE payment and had two accounts closed. I can not believe that having ONE issue gives them the right to close down accounts I've had and have been building for over 10 years. I also have never received a sheet of paper explaining a decision and my credit report shows perfect payment history yet I am repeatedly told my payment history is unsatisfactory. This is unacceptable.
Product: Debt collection

Portfolio Recovery has been harassing me for years. They called my parents house at all hours of the day and would call several times a day, every day, even after my parents told them I didnt live there anymore. They call my cellphone several times a day from various numbers. They even called me at work today. 
They filed a suit against me in small claims court which has been settled and I am to start making payments this month. So since things have been settled with their lawyers I am unsure why they are still harassing me. Also, the letter from their lawyer states I will be charged 12 % interest yearly, which from my understanding is not allowed. 
This company has made my life an absolute nightmare.