23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX to Goldman Sachs XXXX Apple Card for the amount of $ XXXX. 
The amount was deducted from my account via ACH debit immediately. 

On XX/XX/XXXX I needed to place a charge on the card and to my supposed it was declined. After calling the bank they told me the payment that large they are going to hold it for 14 days till after XX/XX/XXXX. 

I told the supervisor I needed either the balance or the money back so I can apply the funds to the needed transaction. The supervisor said the fastest way is to just cancel the payment and I will get the money back in my account in 1-2 days. 6 days gone by I still have not received the refund. 

I startede inquiring about my payment on XX/XX/XXXX and I was given the run around either the representative doesn't know or has no access. I ask for the case to be escalated and through another supervise still only offer " we dont know '' " we have no idea '' " we can't reach any one else '' " we have no way of transfer to the department ''. 

On XX/XX/XXXX? XXXX a executive representative called me in the morning and said he will find out and fix the issue with their processing department. He also said he will call me back by the end of the day. of course he DID NOT call me. 

3 days later on XXXX. I placed a call in the XXXX  and as usual the representative said " I dont have any additional info '' and they will submit the request for the executive representative to reach out to me. It is at the end of the business day. I place another call and spoke to two representatives and I am still getting the same " we do not know '' " we can't tell '' " we have no idea '' " We can't guaranteed any one would get back to you for up to 10 business days ''. 

This is how this bank treats you after loosing $ XXXX of mine which I needed to pay a very important payment. On my last call of the day I demanded answer and I still dont have my money back in my account, This is literally the most appalling banking experience I have ever endure my entire life and I have many many accounts. They have ZERO urgency and knowledge while trying to either blame others or said they dont know. 

They have also spoke to my bank on conference to confirm the money left my account and was never returned.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed The following inquirys are fraudulent inquiry 's and NOT related to ANY account originated by me and must be DELETED immediately as a result of XXXXXXXX XXXX. Specifically, pursuant to 15 USC 1681c-2. I have filed a complaint with the Federal Trade Commission as well ( REF # XXXX ) The erroneous accounts are as follows : XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX  date XXXX Experian XXXX XXXX XXXX date XXXX Experian XXXX XXXX XXXX date XXXX.
Product: Debt collection

I called MBA Law ( The Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Attorneys at law ( today XXXX/XXXX/XXXX  ) to get information about an attempt to collect on a very old medical bill. I felt billing was duplicative of a medical bill already in collections with XXXX XXXX. I asked the rep that I spoke with if this was a debit MBA LAW obtained from another collection agency. She said it was not and was received directly from XXXX XXXX XXXX. I looked back into my records and discovered that this is not the case, and this debt was with XXXX XXXX. In addition, the MBA correspondence indicated that the current Creditor is XXXX XXXX XXXX. I have no knowledge of this agency and never received any correspondence or spoken with this agency. I also indicated that my call was triggered by the prompt received online indicating that I was not able to enroll to get information " due to the status of your account ''. In calling I was told that in order to be able to view any information electronically, that I had to send an email acknowledging ownership of the debt. Even though the written correspondence encourages online use. 

I find the tactic of withholding online access ( the ability to obtain information ) unless I send a statement that I am responsible is a potential UDAAP trigger. I believe it is MBA Law 's intention is to restart the clock on an old debt where the statute of limitation may have passed.

Facts regarding the dispute : As a Virginia resident the statute of limitation is five years this originated in 2018 This debt was sold a possible 3 times and old debt should not hit my credit report as new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a fraud accounts on my credit report they are fraudulent.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting full verification of these accounts. If you can not provide verifiable proof that these accounts belong to me, they must be permanently deleted. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : Under 15 U.S. Code 1681g, I request full documentation, including any signed agreements or proof that I am legally obligated for these accounts. If such documentation does not exist, these accounts must be removed immediately.

FCRA Section 611 Request : Per 15 U.S. Code 1681i, you are required to reinvestigate these accounts within 30 days. If you can not verify their accuracy, you must delete them from my credit report immediately. 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action.
Product: Mortgage

I paid my XXXX mortgage payment on XX/XX/2018 at a MB Financial branch. The statement generated on XX/XX/18 reflected the XXXX payment as not received. I called and talked to a customer service rep who stated there must have been a delay in processing. I have received several automated calls from MB Financial stating my XXXX mortgage payment was not received and my XXXX payment is late. I paid XXXX 's payment on XX/XX/18 at a MB Financial Branch. I have both of those receipts along with my cancelled checks reflecting both payments were made on time. This has been an on going issue with MB Financial and their payment processing delays.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I submitted a dispute to Experian indicating that information reported by XXXX XXXX XXXX  was not valid or accurate. On XX/XX/XXXX, I received a reply from Experian stating that they verified the information as accurate and therefore would not modify the report. My dispute is based on a XX/XX/XXXX letter I received from XXXX XXXX  ( copy attached ). The letter stated that based on their information, they were instructing each of the credit bureaus ( including Experian ) to delete the account from my credit record. I sent this letter to Experian, yet they replied indicating that the letter from the creditor was not sufficient to cause them to delete the record and that further investigation verified that the record on my credit report as accurate. The letter from the creditor stating that the record should be deleted should be sufficient and final. Unless Experian has some reason to question the validity of the letter itself ( which it should NOT ), Experian has no basis or need to further investigate the creditor 's decision and instruction to remove the record. It is simply absurd and over-reaching for Experian to become involved in the particulars of the dispute after the creditor has acknowledged in-writing that the reported information should be deleted from the credit file. The continued reporting of this invalid and negative information on my Experian credit report is impacting my credit score and unjustly interfering with my ability to obtain financing. The creditor itself has indicated in-writing that the item should be removed from my credit report entirely, yet Experian is refusing to do so.
Product: Mortgage

I have a home loan with XXXX and Ditech Financial, LLC is the loan servicer. I had an insurance claim on the home and Ditech is holding the insurance funds. XX/XX/XXXX I submitted and Ditech approved roofing repairs to my home. The total cost of repairs was {$8600.00}. Ditech issued half payment ( {$4300.00} ) up front. The repairs were completed and now Ditech refuses to issue the full second half payment. Ditech did issue {$1600.00} in payment. They are currently refusing to release {$2600.00} in funds currently held in escrow to pay for the roofing repairs. At the time the second payment was issued, no explanation was provided. Communication from Ditech is non-existent even though I have repeatedly advised the company to contact me by email or telephone if there is a problem with my claim. As it stands right now, I am personally liable to pay the bill for the roofing claim even though Ditech is holding {$2600.00} in funds to cover this work. Ditech has no dispute resolution procedures and refuses to allow me to speak with at supervisor or manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX 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 or other personal consumer reports

I was a victim of credit card fraud. My CitiBank XXXX card was compromised beginning in XXXX of XXXX. After many conversations with Citi XXXX department I was assured that my complaint was being investigated and would receive documentation confirming so. In the meantime I continued receiving alerts of charges that were not made by myself and were not authorized by me. After repeatedly notifying CitiBank there action was to close the account and reissue a new card, and send that new card to an address that I was not associated with. Fraudulent charges continued to be made on my behalf, using my identity. Now after many, many months and many misunderstandings ( constantly speaking with Citi representatives who lacked comprehension of my statements/complaints ), the case itself has been resolved in my favor. The problem is I have not received documentation stating this! And I have since found out that CitiBank was continuing to send correspondence to the fraudulent perpetrators address. 
In addition to the theft of my identity ( SS # ), my credit rating still suffers because CitiBank is not properly notifying the Credit Agencies of the resolution, etc.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. YOUR COMPLAINT
Product: Credit card or prepaid card

I reached out to Discover customer service on XX/XX/XXXX to understand how my payments were applied considering I had multiple different interest rates via promotional opportunities. 

The agent replied : Minimum goes to the lowest apr ( 0 % ) and the rest of the payment applies to the highest apr. and if the highest apr is paid to {$0.00}, then the payment will go to the next highest apr ( promo 4.99 % that expires soonest, XX/XX/XXXX. 
However, this is not what occurred. On my statement ending on XX/XX/XXXX my balances were as shown below and my minimum payment amount was {$230.00}, due XX/XX/XXXX. 
{$240.00} at 15.49 % {$5200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$3100.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) By the agent 's reply, considering for my statement ending XX/XX/XXXX, and the fact that I made a payment total of {$2300.00}, I should have seen my 0 % balance decrease by {$230.00}, and then my remaining {$2000.00} would have paid the {$240.00} balance completely, and the remaining {$1800.00} would have paid down the 4.99 % APR balance for the promo expiring XX/XX/XXXX. 

On my statement ending XX/XX/XXXX my balances were shown as below and my minimum payment amount is {$210.00}, due XX/XX/XXXX. 
{$200.00} at 15.49 % {$4200.00} at 4.99 % ( promo expires XX/XX/XXXX ) {$2900.00} at 0 % ( promo expires XX/XX/XXXX ) {$4000.00} at 4.99 % ( promo expires XX/XX/XXXX ) I reached out to Discover to have them explain and all they replied with is : " We usually apply your minimum payment to the balance with the lowest APR. Anything paid over the minimum typically applies to balance with the higher APR. When you have multiple promotional balances at the same rate, payments apply to the balance expiring first. '' I think Discover is not applying my payments correctly so they can collect additional interest. If the logic Discover gave me held true, my XX/XX/XXXX statement should have seen {$230.00} come off of my 0 % balance, and instead, the balance was only reduced {$220.00}. The my highest apr should have been paid completely, but it was only reduced by {$41.00}, and my remaining payment should have applied to the 4.99 % APR with the promo ending XX/XX/XXXX, and that balance was only reduced by {$1000.00}. My balances were only reduced by a total of {$1200.00} ( not including my balance on the other promo offer increased in the amount of {$17.00} ) but I made payments in the total of {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My deceased ex wife had a XXXXXXXX XXXX. Before her death, I was none the wiser. At the time of her death, the card appears on my credit report. I have pleaded with all 3 credit bureaus, XXXX, etc for 3 years to have this removed. No such luck. 
My credit went from above XXXX, to XXXX XXXX because of this. The banks treat me like a 3rd class citizen. For the record : I do not have a credit card, a loan other than my mortgage, or any other loans. Nobody will move on this case. I have tried everything. 



Recent Letter to XXXX : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : Please Refer to Account : ( last four ) # Case # XXXX : ( XXXX ) XXXX Att : My name : Deceased Ex Wife : My credit report shows I am wrongfully on a XXXXXXXX XXXX XXXX Prior and after my divorce, my credit score was above XXXX. After the death of XXXX XXXX XXXX, my credit score sunk to XXXX XXXX This is not my card. It belongs to a deceased ex-wife. For the record, not my card. 
I have been working on being removed for three years. I have had multiple promises from XXXX that I would be removed, none of my requests have been granted. For sure this is still on TransUnion. 
My credit has been ruined from your card on my credit report. I have wasted hours, days, months, and now years arguing with person after person with XXXX. All to no avail. The Pain, suffering, and emotions distress that XXXX has caused me can not be described. 
I am requesting and demanding the removal of this card from my credit report. 
The 3 major credit bureaus have been contacted, and I have time after time been sent to XXXX. 
1 : it was not on my credit score until the death of my ex-wife. 
2 : It was not on my score when she was still living. 
- While we were married, divorced, or she was alive, I was not on this card. After her death, I am not responsible? 
3 : I have never been sent a statement for this card. If I am on a card, or the card has a balance, how can I know without a bill or statement? 
XXXX did not seem interested in my credit report or the card being assigned to me until the time of her death. 
CC : FTC, the OCC, and the CFPB Sincerely,
Product: Mortgage

On or around the end of XX/XX/2018 I received a letter from my county ( XXXX XXXX XXXX, FL ) exempting me from all ad valorem property taxes because I am a totally and XXXX XXXXXXXX veteran. I forwarded that letter to Freedom Mortgage, my mortgage company, with a request that they re-compute my monthly payment and my escrow account balance requirement based on the fact that I will have no ad valorem taxes due for 2018 ( only the county non-ad valorem assessments shown on the tax bill from last year will be due ). I spoke to Freedom Mortgage today, XX/XX/XXXX, and they claimed that they had reached out to my county to get a revised tax bill for 2018, but were told the 2018 tax bills would not be available until XXXX or XXXX. Understandably, the county does not revise their property tax bills every time they provide a letter to a veteran for exemption. They calculate the bill annually, for everyone. Freedom Mortgage did not have a 2018 tax bill when they computed my payment and escrow requirements for this year. They calculated that amount based on last year 's tax bill ( and insurance bill ). They claim that they will not recompute my payment or escrow account requirement until they receive the actual tax bill for 2018, and will require me to keep paying the full amount to them although they know this will create a significant over-payment to my escrow account. I feel that this is deceptive and is discriminatory ( only XXXX and senior citizens receive this type of tax exemption ). As a veteran living on a fixed income, their decision to continue to charge me for taxes that they know will not be due will hurt me and my family ( a difference of over {$7000.00} ). I request that the CFPB look into this and see if anything can be done to get them to do the right thing and change their discriminatory practices.
Product: Debt collection

I XXXX XXXX lost my wallet in XXXX, I was XXXX XXXX cause the person had speeding tickets and also used my credit and Social Security Number I also have court Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX  XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.
Product: Debt collection

I opened an account with BlockFi XX/XX/XXXX I had paid my account off and had some reserves left. BlockFi filed a XXXX XXXX bankruptcy on XX/XX/XXXX and now is requesting a balance that was paid in full. This an erroneous practice after they've been paid to come back and to request payment with interest. I've disputed with XXXX, XXXX and XXXX as well as BlockFi and results are the same. I asked that I receive the original documents or proof, I do not consent to XXXX XXXX from the creditor or bureaus. This is fraud on all levels to collect twice.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX ; XXXX/XXXX/equifax ; I am writing to formally dispute a hard credit inquiry reported on my credit report by XXXX XXXX XXXX, dated XX/XX/2024. I did not authorize this inquiry nor provide consent for access to my credit report, and as such, I request its immediate removal. 

Inquiry Details : Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Account Type : Mortgage Reporters Inquiry Date : XX/XX/2024 This hard inquiry is a direct violation of my consumer rights under the following laws : 15 U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations.

15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed.

15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted.

15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. 

Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.