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

Initially Goldman Sachs sent me an invitation to open an Apple Card Acct in XX/XX/XXXX. In exchange, it offered a complicated {$50.00} acct opening bonus as detailed below : 1. Apply for Apple Card 2. Be approved for credit, 3. Use the card at XXXX XXXX XXXX within 30-days of receiving the card to purchase at least {$50.00} in services, 4. First {$50.00} spent would be credited back into my new Apple Card Acct within 60 days. I satisfied 1 and 2 rules above : 1. I was given a {$7500.00} line of credit within minute after applying, 2. An Apple Card was sent to my home address, 3. I used the card at XXXX XXXX XXXX numerous times within first 30-days of card issuance. However, I never received the {$50.00} credit. I communicated with them numerous times by chat lines and direct phone calls. Then I followed by sending an 8-page letter to them since XX/XX/XXXX demanding the {$50.00} bonus offer to be credited into my new Apple Account. Unfortunately, Goldman Sachs has refused to honor its commitment. to this day and has stopped responding to me requests to communicate. I still have the account active but have not used it since XX/XX/XXXX. It has been a frustrating experience for me and my partner. We wonder if others have complained about same issues with Goldman Sachs Bank. I would be glad to send a copy of the 8-page letter I sent them if CFPB is interested to investigate their conduct.
Product: Credit reporting or other personal consumer reports

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. 
Account Name XXXX XXXX XXXX XXXX  Account number 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 161c. ( a ) ( 5 ) Section states : No consumer reporting agency may any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years 15 U.S.C. 1681s12 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting or other personal consumer reports

Submitting a new complaint in reference to complaint # XXXX. TransUnion is detailing that the unverified accounts disputed are accurate. Who verified these accounts? I have NOT been provided a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore TransUnion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to. All inaccurate information must be deleted from my profile immediately.
Product: Vehicle loan or lease

Lender bank of America has made a late payment entry for my auto loan, which is not fair because I was given misleading information by a customer representative when calling a ) for the first time post origination of the loan to set up automatic payments and make my first payment b ) when I realized a late payment appeared on my loan to resolve the issue being under the impression that it had been resolved. 
Regarding a ), I called to make my first payment in spring 2019 and overpayed as well as authorizing the agent to take future payments automatically from the same account. The agent on call ( a ) confirmed. However, the overpayment amount was not applied to the principal of the loan and automatic payments were never set up. Agent on call ( b ) did not understand the matter and just pointed out that I wouldnincur additionalmlate payment fees if any of the past payments were altered and applied as I the consumer had requested. 
This is misleading at best, potentially predatory and definitely does not encourage consumer trust.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account for no reason, they refuse to give me my money back, I was contacted by an account specialist from Venmo who took all of my personal information and once he had it he started to ignore me. The account specialist named XXXX XXXX has tried to steal my identity, they are holding my money illegally. NMLS XXXX
Product: Mortgage

I mailed my XXXX  mortgage payment to Newrez, LLC on XX/XX/XXXX and their payment processing center did not post it until XX/XX/XXXX. I called the company at least 5 times and was told payment sent through their payment processing system can appear 3 weeks after the date the check was mailed. One customer service representative told me that she had received 15 calls in XXXX about this issue. 
I was advised not to cancel the check and make a payment because I would be charged a stop payment fee by XXXX XXXX XXXX ( {$30.00} ), and they would additionally charge a bad check fee when it came through even if I had made another payment. I also was advised on several of the calls that I had never had a late payment on my account and a late fee could be waived once the payment showed up. I just needed to wait for it to post and then request the waiver. 
I called the customer service line after my payment was posted ( it did not appear in my payment history until XX/XX/XXXX even though it was received XX/XX/XXXX. On XX/XX/XXXX, I called the company to request the waiver of the late fee and I was told they could not do it because a late fee had been assessed and waived in XX/XX/XXXX. I explained and a supervisor, XXXX, confirmed that the XXXX payment had been received and cashed on time ( the cancelled check showed it was cashed on XX/XX/XXXX ) and the late fee was assessed in error and waived. While on that call XXXX spoke with her superiors and then advised me on a recorded line that the late fee would be waived and added back to my principal only payment. Every month I send an additional {$100.00} for principal only and their late fee, {$54.00}, had been deducted from that. She advised it would be added back to the principal only payment within 3 to 5 business days. 
After 5 business days, I checked my account, and nothing had changed. When I called, I was advised that the waiver was denied because of the XXXX late fee and waiver. I spoke with a supervisor named XXXX, who kept talking over me, and would not listen to what I had to say about my conversation with XXXX. He just kept repeating " the buck stops with me. '' I finally was able to get him to take my phone number to have management call me to discuss the errant late fee in XX/XX/XXXX. He said management would respond in 72 hours and they did not. I called the next day and was told by a customer service representative that upper management had again denied my request for a waiver after speaking with XXXX. The day I spoke with XXXX, I called back and left a message with a representative after being advised that no supervisors would talk to me to please email XXXX with my email address and phone number to discuss why she had advised me my late fee would be waived and added to principal and who she spoke with that had authorized it. She did not email me or call. I responded on XX/XX/XXXX to a survey sent by the company about their customer service and requested they listen to the recorded calls with XXXX and XXXX after explaining my experience with them both and the denial. The servicing company for Newrez , LLC is Shellpoint Mortgage Servicing.
Product: Credit reporting or other personal consumer reports

I did not authorize these financial institutions to run my credit to see if I were approved for a car loan. I know to go through a credit union instead of allowing them to constantly run your credit through multiple banks. I would like these inquiries to be removed from my report, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, XXXX
Product: Credit card or prepaid card

Was given a Vanilla gift card that was purchased in XXXX of XXXX. Gift card was loaded with a {$100.00} balance, however when I went to use the card in XXXX I learned that the card number had been stolen and a fraudulent charge of {$53.00} was made on the card at a XXXX store on XX/XX/2021. I contacted Vanilla for a replacement card and to reload the balance to {$100.00}, was asked to file a dispute form, and submitted that form on XX/XX/2021. I was told the issue would be resolved within 90 days, and reached out again to ask about my dispute on XX/XX/2021, however I have not heard anything from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX has violated my right.

15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve.
Product: Student loan

I called to get help with payment plan. Someone to talk to, to help me figure out my options. They told me to go online. The online system is IMPOSSIBLE to work through and just get declined or reset. There is literally no one to help anyone figure XXXX XXXX Just go online because everyone is to lazy to hit a couple buttons. Customer service is a thing of the past and this company is seriously the worst I have ever tried to work with. The fact it is the federal government that sets this XXXXXXXX XXXX XXXX absolutely disgusting they cant even help. I will likely default on my student loans and there is nothing I can do about it because no one can assist me to figure it out. Its a serious shame that people want to pay and be good humans but the FEDERAL GOVERNEMENT does not care about anyone that is no RICH. Prove me wrong .....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion installment loan closed XX/XX/XXXX. XX/XX/XXXX I had disputed the account on my XXXX  credit report because They had incorrectly reported the status as late or in collections for a couple months. A week later I got a message the dispute was complete and my credit report was updated. I looked only to find my score had dropped and the update to the moneylion account was even more incorrect. It now shows the account in charge off status from XX/XX/XXXX to present XX/XX/XXXX. The account was paid and closed in XX/XX/XXXX so the charge off status showing from then until now, all 18 months need to be removed.
Product: Money transfer, virtual currency, or money service

I was a victim of an online came. I had a person allegedly sell me a product that I paid a total of {$600.00} for ( including shipping ). I paid this person using the XXXX money sending service through my bank. I quickly realized that this was a scam ( they asked me to pay another {$1300.00} for shipping/delivery via a sketchy email ). When the person I paid refused to refund my {$600.00} and then blocked me. I reached out to my bank to file a dispute regarding the charges and I submitted to them all of the documentation that I have from the person I was buying from and the weird emails I received from the alleged shipping company. My bank denied my claim and said that when it comes to using a service like XXXX ( even though it is a service provided through their banking institution ) that they are not able to refund my money and told me I should be more careful with who I send money to in the future. I realize I made a mistake and I am embarrassed enough about it. I just want my money back.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit card or prepaid card

I am XXXX under Americans with Disabilities Act ( ADA ) and Bank of America is discriminating against me by failing and refusing to make reasonable communications accommodations to ensure I can resolve this account. This is a letter of concern about misapplied payments regarding my Bank of America credit cards ending in XXXX, XXXX, and XXXX. On XX/XX/2022, a Bank of America representative named XXXX confirmed that the approximately {$4200.00} payment dated on or around XX/XX/2022 will be released and apportioned and applied to my three credit cards ending in XXXX, XXXX, and XXXX. However, when I phoned in to Bank of America on or around XX/XX/XXXX, and today XX/XX/2022, the representatives didn't seem to be able to locate this payment, and instead I got bounced around from department to department for about an hour each time to no avail when my call eventually got disconnected. This pattern leads me to wonder if Bank of America is purposely trying to default me and damage my payment history by misapplying my payments and making the payment process very difficult. The letter dated XX/XX/2022 which I received today stated an offer to " help '' me " lower the Annual Percentage Rate ( APRs ) '' and to discuss " long-term payment solutions '', yet I get the runaround and denied when I try to call to discuss these much needed plans as an alternative to bankruptcy which they seem to be forcing me into. Bank of America used to offer forbearance programs that push off payments for several months due to COVID-19 and we customers are still suffering unprecedented economic hardship eligible for relief.
Product: Credit card or prepaid card

See attached communication sent to Capital One on XX/XX/2023. Clear evidence showing that merchandise shipped after agreed time. Clear evidence showing that merchandise came very damaged. Clear evidence showing that card holder demanded merchant to pick up and return merchandise and that merchant refused stating it had no address for cardholder to ship it back to. Despite uploading all of this evidence to the Capital One Portal on XX/XX/2023, Capital One only 3 days letter puts these wrongful charges back on my account. Capital One conducted zero investigation regarding this matter. 

Damage goods photos here : hps : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I concluded mediation with Wells Fargo Bank via phone with a mediator who has had 43 years of experience as an attorney in XXXX XXXX. On XX/XX/XXXX, I signed a Mediation Proposal agreed upon by Wells Fargo Bank and myself for the sum of {$2200.00} as full and final settlement. I was to receive a check in this amount plus taxes from Wells Fargo within 21 days according to the mediator. That date would have been XX/XX/XXXX. But as of today, XX/XX/XXXX, I have NOT received the above amount by check and have been given the excuse that the " system '' of the Mediation Office in XXXX, OR, is down. I asked ( on XX/XX/XXXX ) the Mediation representative at Wells Fargo, the woman who has worked on my claim since XXXX, XXXX, when this " system went down, '' she stated that it was a week ago. That would NOT have had any bearing on this proposal agreement. IF Wells Fargo had sent my check on time as agreed in Mediation, it should have been on its way before the " system '' went down.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX, Certegy, and XXXX XXXX to send me a full and complete copy of my Consumer Report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating 5the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation.