23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used my Apple Card at the apple store for a purchase. The product had a 6 month - we replace it, no questions asked guarantee. 4 months later, I presented myself and the defective product at the apple store and was rebuffed because I did not have a paper receipt. While at the store I called Apple Credit card and had them verify the date of the purchase, but alas since I didn't have the paper receipt I was rejected from exercising a warranty claim. This should be real simple given everything is electronic today. Apple store, apple card, apple product. Use electronics to verify I did make the purchase and then effect a warranty, but it didn't happen this way. Can the CFPB please pull the audio tapes of my numerous conversations with Goldman Sachs/Apple card and test my veracity? Goldman will not allow me to hear the tape. I do however have a text thread I can send which validates my position as true and correct. Pull the records and put some sunshine on them. I have submitted required pictures and documentation 3 times. Basically I feel Goldman Sachs is thumbing their nose at the law and challenging me to seek remedies with the CFPB.
Product: Student loan

On XX/XX/2021, we submitted a complaint ( complaint ID ends in XXXX ) because Navient Solutions , LLC has not accounted for several years of payments. We show we've over paid the amount due by more than {$1000.00}, and they still claim we owe more than {$10000.00}. We've since received one notification through CFPB that they're looking into the claim and second that they need more time. Yet 28 days later, Navient hasn't responded to this inquiry and they continue to make harassing calls and sending letters threatening financial and legal actions. The full payment history is available on the website and only took me about 2 hours to reconcile. It shouldn't take this long to add fees and interest charges to the principle and then subtract the payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and identified several inaccuracies that are negatively impacting my ability to obtain credit. I am requesting an investigation to ensure the accuracy of the following item : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please review this information
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are not following the FCRA laws and rules regarding reporting late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX American ExpressXXXX XXXX XXXX Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card or prepaid card

We charged to our account cabinets for our home on XX/XX/XXXX. The cabinets arrived heavily damaged and not as described. Original Charge was for XXXX. After countless emails and calls with the vendor they promised to credit us for the issue and replace the damages. We want back and forth for weeks and they never followed up on there promise that we have in writing in an email. We turned to BOA to file a dispute for an items not as described. We started our investigation with BOA and provided them all the details. We only disputed XXXX of the charge to cover the damages and the issues with the merchant. BOA at first denied our claim saying we provided the incorrect information. We called then back at once and wen over the information they requested. The rep said they made a mistake and the claim was reopen again. Fast forward 1 month and we got a denial letter again from BOA. This time they stated they needed a complete part list of the damages. We provided that to them within 24 hours. A full detailed list on what parts were damaged. They would not accept pictures to prove the damage. The claim was open again. Fast forward to XX/XX/XXXX and the claim was closed for a third time. I was on the phone for over an hour until I got transferred to a rep in Florida who handles these cases. She told me she would send me the documentation but we lost the claim with Visa and I need to take the merchant to small claims. I asked the case to be forwarded to the executive team and she also refused. On the phone she claimed there was nothing I could do and they lost. I am very disappointed with Bank of America. I feel they let me down and my claim from day one was not handled properly. Low level reps who handle these claims made incorrect decision 's. On a letter dated XX/XX/XXXX From Bank of America the letter stated the reason we lost the claim was We Didnt Receive specific Cancellation information or Documentation that was requested. They also claim we did not contact the merchant to attempt a return of the merchandise or request that it be picked up and that is a 100 % False. We requested that info several times and the Merchant denied our requests to return. We also have in writing the merchant agreeing to compensation for all the problems. We want the entire case reviewed from step one. We feel BOA handled the claim incorrectly and did not represent us in good faith to get the matter resolved, We spend thousands on this card because we thought we were protected for matters like this and BOA did nothing but let us down. Please advise on what can be done. We will attach our letters to BOA regarding this claim.
Product: Money transfer, virtual currency, or money service

I made a payment in XXXX of 2022 through Citibank using their XXXX pay ( an Electronic fund transfer service ), for a vacation rental in XXXX XXXX NJ. My family and I came down with covid, and had to cancel our vacation. I requested a refund for our unused vacation, was denied, and requested again and never heard from the alleged owner of the vacation rental. I brought this to the attention of Citibank in XXXX, XXXX, XXXX and XXXX of 2022, repeatedly saying that I was defrauded out of {$1500.00}. Citibank refused, claiming no responsibility. Citibank is governed under The Electronic Fund Transfer Act, and does indeed owe me a refund due to fraud. Citibank must better approve the users of their services.
Product: Checking or savings account

On XX/XX/year> I filed a dispute with Truist Bank about my debit card being stolen and two fraud charges being made to my account. A charge for {$2900.00} and a charge for {$2900.00} totaling {$5800.00}. I received a letter only acknowledging the fraud charge for {$2900.00}. My account has been closed, and my online access has been revoked, so there is no way for me to attempt to have my claim updated. 
I am writing this complaint requesting that this claim be governed for constructive fraud being caused by Truist Bank staff or system.
Product: Credit reporting or other personal consumer reports

I requested The original creditor 's name and address. 
The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.
Product: Mortgage

Bank of America has been violating my constitutional civil right to access and participate in government. 
Upon the bank 's and servicer 's decision to park and stall the modification process by withholding a written determination on Appeal provided by the Appeals Department I have been unable to access and participate in the federal government Making Homes Affordable ( MHA ) programs and the status government Hardest Hit Fund ( HHF ) programs. As am American citizen, I am afforded certain constitutional civil rights and liberties. I have the right to access and participate in the federal government MHA programs and the state government HHF programs. 
Bank of America and their representatives have denied my access and participation in both MHA and HHF programs. Specifically, the MHA Home Affordable Modification Program ( HAMP ) and the HHF Unemployment Assistance ( UA ) program. 
I have asked many times before his for a detailed explanation the bank 's and servicer 's decision to deny access and participation in these government provided programs, but have been unsuccessful in getting any response whatsoever that addresses the matter. If Bank of America refuses to address my concerns now, they may have to address my concerns before a California Judge later. 
All Bank of America has to do is address my concerns directly by explaining why it is a process designed to take six months had been extended to fifty plus months and not provide a nonresponsive reply to this lates CFPB complaint. 
All other previously mentioned resolutions.
Product: Mortgage

I have been paying my mortgage bi-weekly with payments coming right from my checking account. 

They continually keep putting payments to the principle and it causes my mortgage payment to show late on their website. So, I have had to deal with late fees which they said would be reversed but haven't. I have been going around and around with them since last year. 

Since XXXX, I have really been trying to get this resolved. I contact them through email because I have hearing issues and I like to have everything documented. 

I have a years worth of payment history from my bank and their website and all emails sent and received as proof. I have sent them everything but it's the same thing over and over. And, every payment made by my back clearly states what is to go to payment and what is extra to principal. 

This what their website is showing and why my mortgage is running 9 days late now! 

XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$180.00} XX/XX/2020 Mortgage Payment {$1200.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$720.00}
Product: Checking or savings account

Never was told about regional atm fees and want them all retuned already had some but want them all returned
Product: Checking or savings account

My name is XXXX XXXX. I have opened up Citi XXXX Checking Account. After I opened the Account, Citi Bank sent the Checks and Debit Card. After my Debit Card was activated, I had transferred {$50000.00} from my other Bank to the Citi XXXX  Checking Account on XX/XX/2021. The amount was showing as Pending on that day. When I logged into my Citi Account on XX/XX/2021, the Citi XXXX Checking Account is showing as Blocked. I tried calling Customer Service so many times but none of them are helping me out. All the Customer Service Representative said, " You account is blocked and they can't help '' and hung up the phone. I am absolutely terrified with the type of service Citi Customer Service has provided. I am going under lot of stress as Citi is not helping to resolve the issue. I want to escalate this issue to Citi Bank officials but I do not have the contact. At this point, I want the Citi Bank to provide my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complaints XXXX and XXXX which are related to my complaint against Equifax. 

The 1st complaint ( XXXX ) listed is regarding their improper handling of investigations regarding 2 companies. The 2nd related complaint ( XXXX ) was what appeared to be retaliatory action for my initial complaint ; they lowered my credit score by 52 points 2 days after my initial complaint for no changes and no reason. Whatever person acting on EQUIFAX behalf restored 51 of the 52 points taken and on or about XX/XX/2020, they restored 1 point for a total of 52. 

Yesterday, XX/XX/2020, I received an unsigned letter from somebody at Equifax stating they could not locate my file. Its interesting because they found my file on 2 separate occasions ; regarding my complaint when they restored 51 points of the 52 taken for me initially filing a complaint and found my file yet again when the remaining point ( 1 ) was restored on or about XX/XX/2020. 

They also have the 2 derogatory reports still reflected in my credit file while investigating this initial complaint matter and before the companies have supplied any proof whatsoever ( because they are not factual or valid ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Consumer Financial Protection Bureau- cfpd Subject : Dispute of Credit Report Error Dear Sir/Madam , I am writing to dispute an error I found on my XXXX credit report formally. Please, address the following incorrect information. 

The information I am disputing is as follows : Account Name : Barclays Bank Delaware Account Number : XXXX Description of Error : validate fair credit reporting act In accordance with the Fair Credit Reporting Act, the creditor has violated my rights under 15.USC.1681, section 602 - states I have the right to privacy. 
And, 15 USC 1681, section 604a section 2- states a consumer reporting agency can not furnish an account without my written instructions. 
Also, 15.USCS.1666b- a creditor may not treat a payment on a credit card account under an open or closed consumer plan as late for any purpose. 

This information is inaccurate because this account is closed. The continued reporting on my credit report validates my consumer rights. I kindly request that you investigate the matter and correct the error as soon as possible. 

I would appreciate written confirmation once this error has been corrected. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

I Got Charged On My Chase Account From Something Random. & It Cost Money To Fix That? Thats In Inconvenience That I Didnt Cause Doesnt Make Sense How I Should Need To Pay? It Should Already Be Refunded To The Company That Charged Me
Product: Money transfer, virtual currency, or money service

Please tell me all deposits with my name on it that was canceled or refused sent back or anything at Citizens Bank XXXX XXXX XXXX XXXX CT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX email XXXX XXXX Subpart B : Funds Transfers through Fedwire Section 210.25 Authority, purpose, and scope Subpart B sets forth rules governing funds transfers through Fedwire. This section provides that Reserve Banks issue circulars governing the details of its funds-transfer operations.

Sectio

n 210.26 Definitions Defines key terms used in subpart B. Section 210.27 Reliance on
identifying number States that a Reserve Bank may rely on the number in a payment order identifying the intermediary bank, the beneficiary 's bank, or the beneficiary.

Section 210.28 Agreement of sender Provides that a sender authorizes a Reserve Bank to obtain payment for the sender 's payment orders by debiting the sender 's account. Also describes procedures dealing with overdrafts.

Section 210.29 Agreement of receiving bank Provides that a receiving bank receives payment from a Reserve Bank for a payment order through a credit in its account with the Reserve Bank. Also describes some of the responsibilities of off-line banks that serve as intermediaries. 

Section 210.30 Payment orders Describes procedures for the handling of payment orders by Reserve Banks as they relate to the acceptance or rejection of payment orders, the selection of intermediary banks, and the timing of execution.

Section 210.31 Payment by a Federal Reserve Bank to a receiving bank or beneficiary Provides details regarding the timing of payments by Reserve Banks to receiving banks and beneficiaries.

Section 210.32 Federal Reserve Bank liability ; payment of interest Limits the liability of a Reserve Bank in handling a payment order. Also describes the procedures by which a Reserve Bank can pay interest as it relates to fund transfers under the Uniform Commercial Code.

Appendix A Commentary Appendix B Article 4A, Funds transfers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple duplicate debts on my credit report, and I do believe that is hurting my score! I tried disputing the accounts and thats when I started seeing duplicates
Product: Debt collection

The collector contacted people around me who has no idea that I owe money, and they are people who are my family member and my friend who has nothing to deal with my personal life. They stated who they are, but then when ask for more detail, they just keep asking to speak with me. My sister has told them not to contact any other third parties other than myself, yet they tried to contact my ex room mate the next day.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

received letter in the mail from Convergent Outsourcing Inc, a supposed collection agency offering a reduced balance of a XXXX balance owed. 
I moved to this address not 4 months ago and have never had XXXX here or anywhere. 
I had XXXX XXXX internet without XXXX for the last 4 years but cancelled it when i moved to my new house. I verified with att and balance is {$0.00} and account is closed. the XXXX account on the scam letter is not even the same one i had with XXXX. 
The letter looks very carefully redacted and looks very official, but it is a scam. I searched online and saw dozens of other people being sent the same letter and suggesting it be reported to see if the company can be stopped from sending similar letters to less resouceful people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ).

This account is not accurate and there are many errors.

Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information.

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income.

The details of the dispute are as follows : Creditor Name : [ Name of creditor reporting the charge-off ] Account Number : [ Account Number or reference number ] Reason for Dispute : [ Explain why you believe the charge-off is inaccurate. Examples include incorrect account balance, payment history inaccuracies, account not belonging to you, identity theft, etc. ] To assist with your investigation, I have attached copies of relevant documents that support my dispute, including [ list supporting documents, such as payment records, correspondence, identity theft reports, etc. ]. Please review these documents and correct the inaccurate information on my credit report.

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely.

Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without an written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.