23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced with New Day Financial ( XXXX XXXX XXXX ) He promised me No Payment in XXXX or XXXX, Well my Bank by Mistake made XXXX payment and cancelled it. Well in DEFIANCE New Day Financial Decided to keep my INSURANCE ESCROW CHECK AS PUNISHMENT FOR THIS ACTION. Even though the Full amount of 2022 insurance was added to the refinance paperwork. Many calls lead me in circles, then I get E-Mails from New Day Financial saying they can't reach me??? Their XXXX SURE COULD. AND MY CELL PHONE KEEPS TRACK OF MISSED CALLS AS WELL AS MY HOUSE PHONE. 
They will not refund me the insurance escrow I have coming. Contract date XX/XX/2022. I got a nasty call from New Day Financial on XX/XX/XXXX saying my payment was late and they were going to keep my escrow towards this and I still owed them $ XXXX. This is what started all of this and When I found out they were keeping my MONEY,
Product: Money transfer, virtual currency, or money service

I was scammed out of {$15000.00} dollars from a guy who was selling XXXX This was in XXXX  and It was through chase the transaction happened. I went to chase and explained to them the situation but they said that there is nothing they can do since they have me entering the bank and doing the transaction. It was a scam, I never got anything out of it and I never heard anything else. Money was gone. It was {$5000.00} that was the first transfer. Please please please I also submitted a request through the FBI website to try to catch the scammer. They told me they cant do anything about it since it was already out my account. Please assist me.
Product: Credit reporting or other personal consumer reports

Me and customer service that works for XXXX told me if I pay the remainder balance on this account it would be closed and removed off my credit report but has failed to do so. The information also being reported on my credit is incorrect on all credit bureaus. The day opened in incorrect and the date closed is incorrect. All information supposed to be 100 % accurate. These issues show a disregard for the norms that ought to be observed. You are in charge of making sure that all data is presented in a way that complies with compliance requirements. Anything less than conformance violates industry norms and is not acceptable. A particular field on my credit report is misreported, and it's inconsistent with the other bureaus. The item needs to be addressed and adjusted. Date Opened : The field under dispute contains information that doesn't match the other credit bureaus. Make necessary modifications. High Credit : The contested field is inaccurate and dissimilar from that provided by the other credit bureaus. Find a resolution to this field 's problem. Last Reported : The field in question is incorrect and contains information that is different from what the other credit bureaus have. Fix the problem and update my account. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. Date Last Active : The credit report continues to inaccurately represent the error in this field. The inaccurate information should be examined and fixed. Date of Last Payment : Due to the fact that it's not factual, the information is erroneous. Asking to verify under the law or address it. Payment History : The reported field is inaccurate on the credit report due to the way it has been reported, and it does not match the information from other bureaus. The item needs to be fixed promptly and without delay. 

My credit score and financial stability could be negatively impacted by these mistakes. Therefore, in order to correct these errors, I kindly request a thorough investigation into this matter. You are aware of the importance of accurate credit reporting and the potential consequences of errors, I think. 

I have the right under the Fair Credit Reporting Act to request an investigation into these matters, and I have every confidence that you will comply with the legal requirement to respond to this dispute notice within XXXX days. 

I am aware that these kinds of checks can be difficult and require special methods. But considering how important this is to me, I would really appreciate it if you could move more quickly. In order to resolve this issue, your abilities and commitment to accurate and fair credit reporting would be very helpful.
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, obliges the removal of any inaccurate accounts from my credit report. Could you examine the documents? Some accounts have incorrect reporting, amounts, and dates.
Product: Money transfer, virtual currency, or money service

Apple Card Apple Case ID XXXX I have never been able to add the Apple Card to Apple Pay. I have been working on the issue with both Apple and Goldman Sachs for months. I was issued the card in XXXX, 2020. 

I made over 50 calls to Apple and Goldman Sachs Apple Card. I have multiple chat transcripts showing I have done every single troubleshooting step known. 

The case was escalated to the Senior Advisor level at XXXX over two months ago. First, I was working with Senior Advisor, XXXX. As of today, I am working with Senior Advisor, XXXX. 

After my initial contact with Senior Advisor, XXXX, she escalated the issue to the Engineering Team back in XXXX. After speaking with Senior Advisor, XXXX today, he advised that the issue is not related to just my account. Other XXXX users are experiencing the same issue ; they are unable to add their Apple Card to Apple Pay via the XXXX XXXX app. 

I have also tried order the physical Apple XXXX XXXX twice, at the direction of Apple and Goldman Sachs. When I tried adding the Apple Card to Apple Pay via the physical card process, the same error occurs. 

The error simply states, Unexpected Error. 
I am able to add other credit cards to Apple Pay. 
I upgraded from an XXXX XXXX to an XXXX XXXX recently because I was told it might be a problem with my particular phone. 
I get the same error on the XXXX XXXX XXXX XXXX as I did on the XXXX XXXX XXXX XXXX. 

Because the Apple Card is linked to my Apple ID, I am able to use it to make Apple purchases which I have done, and paid in full, on the Apple Card. However, I am unable to use the Apple Card at any other merchants. 

In order to use the physical Apple Card or the digital Apple Card, the card must be added from the XXXX app to Apply Pay which is where the Unexpected Error occurs. No one at Apple or Goldman Sachs is able to offer a resolution. No one at Apple or Goldman Sachs is able to provide me with my Apple Card number, only visible once the Apple Card is added to Apple Pay. 

I would like to obtain my account information so I can make purchases with my Apple Card at other merchants. I take issue with the fact that I can spend thousands of dollars on the Apple Card as long as I purchase Apple Products online. However, I can not use that same card at any other merchants. 

I have been waiting since XXXX, XXXX for a resolution. I have over 50 calls logged and at least 20 chat sessions with both Apple and Goldman Sachs. I have erased my phone and started over more times that I can count. I have deleted every card in the XXXX app so many times and checked and rechecked every setting known. At least today, Senior Advisor, XXXX, stated the Apple Engineering Team said it is a known issue but there currently no fix available.
Product: Mortgage

I spoke with XXXX XXXX at BBVA compass in XXXX, Fl. About a home equity loan. I told XXXX XXXX specifically in the presence of my wife, XXXX XXXX, that I did not wish for a credit report to be run until I decided to apply for the loan. XXXX XXXX assured me no credit report would be run until I was ready. I arrived home today, XXXX XXXX, 2017 to find in the mail two credit reports had been run. When I called XXXX XXXX she matter of factly stated that credit reports are run when she submits inquiries about loans. I thought consumers had the right to be protected from this practice when they specifically requested it not be done. Please respond to me at XXXX With high regards. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX Showing negative accounts on my credit report that are not in the negative please remove
Product: Money transfer, virtual currency, or money service

I sold crypto currencies on Coinbase worth XXXX {$8900.00} XXXX between XX/XX/XXXX and XX/XX/2021. I have been unable to withdraw these funds ever since. It is now over a month from the original transaction. I have filed complaints with Coinbase, but Coinbase has not responded to my inquiries in any meaningful way. I feel like they have effectively stolen my money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ) and a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Vehicle loan or lease

The consumer and Dealer entered into a financial agreement XX/XX/ finance personnel lied about down-payment on security agreement. Consumer was instructed to defraud KIA FINANCE AMERICA if the bank called inquiring about the down payment amount. The total amount put down was {$400.00} which was paid by card. On the security agreement it reports {$6200.00}. I reported this to the financial institution The supervisor was XXXX XXXX This was reported to the dealer and the finance company. The securities fraud being done at KIA FINANCE AMERICA is also being reported to the Securities Exchange Commission as well the Attorney General, The Department of Highway and motor vehicles and a few other larger entities As a bondholder, am asking for assistance with on how to redeem the bond, so that it will reflect on the acct. Still no answers. As part as the financial agreement, KIA FINANCE AMERICA issues the consumer a bond statement and a coupon note issue These are recognized as negotiable instruments under ucc article 3. 
If such a coupon is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in the Uniform Commercial Code, the debt is either considered satisfied or nullified. By not acknowledging the consumers complaint then KIA FINANCE AMERICA benefits from the consumer debt securities.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and TransUnion has been in the news for some deceit ful credit score  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you in good health. I am writing to formally challenge certain inaccuracies in my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified reporting of consumer credit information. 

Disputed Information : I am specifically disputing entries linked to the XXXXXXXX XXXX  XXXX under Case # Public Record - XXXX - XX/XX/year>. 
Lack of Verification : It has come to my attention that these items were reported by your organization without the necessary verification from the XXXXXXXX XXXX Court, thus raising serious questions about their authenticity. 
Validation Requirements : My subsequent verification inquiries with the XXXXXXXX XXXX Court revealed that your organization failed to perform the mandatory validation checks on this public record. Accurate public record reporting is critical, and any inaccuracies can have significant negative impacts on my financial health. 
FCRA Compliance : The inclusion of this unverified derogatory information not only affects my credit score adversely but also violates FCRA regulations, which strictly require the reporting of only verified information. 
Request for Documentation : To date, I have not received any substantial evidence from your side confirming the accuracy of this disputed data. The FCRA requires that any inaccuracies be corrected promptly, failing which they must be removed from the credit report. 
Right to Accurate Information : Under the FCRA, I am entitled to a credit report that accurately reflects my financial history without any unsubstantiated derogatory marks. 
Given these issues, I request the following actions to resolve this matter : Immediate Removal of Incorrect XXXX  Information : I insist on the permanent removal of all XXXX  information associated with my Social Security Number that has not been appropriately verified. 
Deletion of Derogatory Marks : Any derogatory information that can not be verified must be removed from my credit report immediately. 
Provision of Updated Credit Report : Following these corrections, please provide an updated copy of my credit report that reflects these changes. 
I appreciate your prompt attention to this matter and look forward to an amicable resolution. Please be advised that if these concerns are not addressed within 30 days from the receipt of this letter, I may consider taking further legal action to protect my rights as provided under the FCRA.
Product: Debt collection

Kimbal Tirey & St John law on behalf of XXXX XXXX XXXX filed an unlawful detainer against me on ( XX/XX/XXXX ) for non payment after they agreed ( XX/XX/XXXX ) to extend the 3 days notice ( XX/XX/XXXX ) and accept a cashiers check on XX/XX/XXXX for XXXX rent past due ( {$2500.00} ) and after the 3 days notice expired ( XX/XX/XXXX ). 

After receiving the check on XX/XX/XXXX management demanded {$1100.00} for a balance they claimed to be for legal fees, late fees and utilities ; but failed to issue an itemized invoice when I requested. They refused to send me a copy of my residents ledger and locked me out of the residents portal where I could verify my account history. 
As an attempt to justify the wrongful unlawful detainer, they fabricated a lease agreement and resorted to deceitful lying in court. XXXX XXXX, assistant manager, denied receiving payment for XXXX, XXXX and XXXX ( total amount of {$7800.00} ), when evidences proved her wrong she falsely stated she kept my check as per my request. 
She wasnt the only one lying under oath. XXXX XXXX, process server hired by plaintiff legal team filed a fraudulent perjurious Declaration of Diligence on XX/XX/XXXX. 
When XXXX XXXX ( XXXX ) reached out and identify himself as a debt collector I forwarded an email I had sent his colleague XXXX XXXX requesting a copy of my residents ledger, management never sent me a statement. I also attached copies of the cashiers check management kept it in the office until XX/XX/XXXX. XXXX handed it back 26 days later and wrote me Per our conversation in person today, I handed back your check payment you made, because we cant accept your payment until the total balance has been paid in full The lawsuit is asinine. 

Holding my check for 26 days was deceiving then filing an unlawful detainer for a balance no one could account for is defrauding. 

XXXX XXXX also stated charging me utilities before my moving day. Due to covid I had to delay moving from XX/XX/XXXX to XX/XX/XXXX
Product: Checking or savings account

This is regarding my son 's Share Savings account. It was opened in XX/XX/XXXX by my now ex-husband. Note : Ex husband is NOT my sons biological father nor did he or does he have ANY legal custody or rights to my son. When my now ex was incarcerated in XX/XX/XXXX I filed for divorce. It was finalized in XX/XX/XXXX. Since then I have been trying to change my sons account to make me custodian over this account. I have spoke to Navy Federal local branch member XX/XX/XXXX, who told me there is no way I can change the account. I called NFCU on XX/XX/XXXX. Rep told me to send documentation and written letter to membership department requesting change due to recent unavoidable changes ( incarceration/divorce ) and request account change. Was told to include items such as my sons birth certificate showing my ex is NOT my sons father, as well as my first marriage ( sons father ) divorce and custody order and my current divorce decree showing my ex is in fact incarcerated. I was assured with this information my request would be approved. ESPECIALLY since my ex is NOT my sons father, NOT have any legal rights to him and was nothing more than the " XXXX XXXX account holder '' at NFCU and was the one who had to open the account. I submitted request on that date. On XX/XX/XXXX I received a response back on XX/XX/XXXX stating my request was denied. 

XXXX XXXX Account Holder/Custodian : XXXX XXXX XX/XX/XXXX XXXX XXXX Dependant : XXXX XXXX XX/XX/XXXX
Product: Credit card

I have several synchrony bank credit cards and they have started charging me XXXX fee for each statement. I explained that I was both retired and a XXXX  and shouldnt be required to be charged for a paper statement that they are legally required to provide
Product: Debt collection

I have a couple cards that were sent to collections while I was in college. I have not heard anything more about these cards since XXXX! I have a debt collector XXXX XXXX XXXX XXXX  sending mail to my landlord! I have only received one letter from this company. After further review my credit card company states that another company owns my debt. Its embarrassing that they are sending letters to my landlord with my personal information.
Product: Checking or savings account

I writing to file a complaining against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I requested verification of debt owed on XXXX XXXX, 2014 from XXXX , XXXX via certified USPS letter which was signed for and accepted on XXXX XXXX. 

XXXX , XXXX did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving a XXXX XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX XXXX I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible.
Product: Student loan

Called Aidvantage on XX/XX/2022 to request refund for payments made during Covid CSR told me that request was approved on XX/XX/2022 and processed on XX/XX/2022 and at this point haven't received any correspondence regarding refund or payment.
Product: Bank account or service

Bank of America understands I have not opted into the overdraft protection feature, yet they keep feeing me into the red, even after paying off a negative balance during hours. They simply ignore the deposit and roll the fee over, this has happened about 5-10 times to me in my lifetime. This is the 3rd report I 've made against them. They are currently doing it today, I 've been waiting to speak to a representative for about an hour now, with nothing more then a XXXX jingle and some computer lady reassuring me to stay on the line ... ....