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

This involves both the bill pay feature of a checking account and a VISA account with Bank of America. Bank of America puts bill pay requests " in process '' before the " pay by '' date, making the money unavailable to the customer. At the same time, it has begun making electronic transfers to vendors after normal business hours on the " pay by '' date. Also at the same time, it has stopped crediting electronic payments to its VISA accounts on the day those payments are received, but instead credits them on the next business day. Through this process, it has increased its float on both the bill pay feature of checking accounts and its credit card business and has charged interest on the period between when the VISA account payments is received and when it is credited. These amounts may be de minimis for any single customer ( I was charged {$1.00} interest which was refunded without even being asked for an explanation ), but given the number of transactions involved, this amounts to a considerable transfer from customers as a group to Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a summons for collection of money by the Island portfolio company XXXX XXXX XXXX , XXXX, This company showed me a copy of a contract for a personal loan from the year XXXX alleging a collection of money for the sum of {$3300.00} plus legal interest of 10 %. 

I informed this company that this debt does not belong to me. 
Because it was due to identity theft, I also informed the company that this debt does not appear on my three current credit reports. 

On XX/XX/XXXX I went to the court of XXXX, XXXX XXXX to answer the motion of the XXXX XXXX XXXX XXXX. In my motion I explained that this debt does not belong to me and that it was a concept of identity theft and at the same time I attached it the following documents : FTC Report XXXX XX/XX/XXXX for identity theft and proof that my credit reports do not show that account they are trying to charge me for. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote me a letter, stating that if I alleged that I was a victim of identity theft, I should send him the following documents : Police complaint, photo identification ( license ), water or electricity bill and fill out the identity theft affidavit, to evaluate the allegation. 

I do not have to send any personal documentation to third parties since I have been a victim of identity theft and this lawyer is requesting personal information from me, I can send this information to the credit agencies. 

This collection agency and their lawyers are harassing people and trying to collect incorrect debts, I have already incurred {$500.00} dollars of expenses to resolve this situation. 

Please resolve this situation, the address and telephone numbers of this agency and lawyers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Mail : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Atty. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TEL:XXXX XXXX
Product: Checking or savings account

On Sunday, XX/XX/2018 I deposited ALL my money ( Cash ) into a Citibank ATM outside a bran in the city of XXXX, CA. Instead of crediting my account an error message on the screen and receipt appeared saying I'm sorry. Because of technical problems, I can't return your cash right now. The receipt did not even state how much I had deposited so I Immediately panicked. This is all the money I had in the world and losing this money will hurt me in so many ways. Since it was a Sunday I could not go into the branch and speak to someone so my next move was to call the customer service number listed behind the debit card. Customer service was only able to start a claim that could take 45days to be resolved and 10 days to see any credit in my account. Keep in mind that these are business days so it could be minimum of 2 weeks before I get any credit in my account. Unfortunately, I live check by check and it is the beginning of the month so rent and most of my bills are due. After standing next to the ATM for about an hour trying to get customer service to credit my account I finally have to leave. That night I could not sleep stressing over my financial situation. Finally the next days I decided that I had to go into the branch to speak to a manager to try to resolve this issue. This caused me to have to go to work late and lose hours not to mention how embarrassing it is when the bank teller accesses my account and sees that I have XXXXcents available in my account. After finally explaining to the teller my  situation the bank teller tells me that that ATM has been having tech issues after someone had attempted to deposit quarters. I asked the teller to get me the manager so we can resolve this only to find out that there was no acting branch manager in that location and that no one in the bank can access the ATMs to count the money. Teller then refers me to call customer service who then refers me to the branch. I was there for about 2 hours getting the run around until I had to leave to work. As of today Im overdrawn in my account, I have no gas, I do not know what my wife, daughter, and myself are going to eat tonight. I have called customer service every single day since multiple times a day asking to speak to the investigating unit but only get the run around. They tell me to speak to the branch and the branch tells me that they cant help me. They dont seem to understand the stress this has put on me and my family. I have no acquired late fees and to top it off my car broke down. If this wasnt an emergency I would not be going this far but it is. I have a family and have no money due to a technical error from Citibank. It is now XX/XX/2018 and I still have no funds and yes it has only been 3 days but I dont have any other money and my family have now been eating cereal and eggs since Monday because of this. I need help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 AND 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: Checking or savings account

This is a continuation of complaint XXXX. They've closed the complaint saying that they can not find my IP address in their logs, but if that's the case then it's a failure in their audit logs. But I still can not access my online account, which I haven't been able to access for over 2 months, and is tied to over a dozen CDs and a Money Market acccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Bankruptcy Ref # XXXX 15 U.S.C section 602 A. Section 2. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states 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. 15 U.S.C 1681s-2 ( 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

I have called to get the inquiries that are not mine removed. I also sent certified letters in XX/XX/XXXX and have not received a response within the 30 day period. Equifax will not remove these unauthorized inquires and keep sending very general information on my request. I need these inquiries removed as they are hindering me from receiving credit for things I actually want to apply for. 
XXXX XXXX & XXXX XXXX, XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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, IN XXXX XXXX, XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & LexisNexis continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/year> ) ( correct date : XX/XX/year> ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from the legal name and in fact Experain claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the XXXX Bankruptcy XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. I will upload copies of the letter from the XXXX XXXX XXXX XXXX stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and XXXX inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the time XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Product: Payday loan, title loan, personal loan, or advance loan

After my ID was stolen in XXXX or 2022 several attempts to acquire money in my name were made by an individual. One of those attempts was a payday loan through Check N Go. After discovering the loan I tried several times to address the issue with the company and was told the loan was valid and that I owed the money. I contacted my attorney generals office and they intervened on my behalf but the same assertion that it was a valid loan and I owed it was made. I then filed a formal FRCA 609 ( e ) request for all information on the account and the third party verification company information ( referred to as a " selfie video '' by XXXX XXXX XXXX XXXX ) that was used to identify me as the loan originator. This " selfie video '' was used in another payday loan by the same individual and passed it by putting a picture of himself on my ID. That company forwarded the information from my FRCA 609 ( e ) request and the police recognize the individual. Check N Go has been provided with the police report, FTC identity theft report, and a copy of my actual ID. After all this they decided to sell my debt to a collection agency when a simple review of my actual drivers license and their " selfie video '' would have proven that the loan was fraudulent. They have since retracted the loan but have not turned over the evidence that they have of the fraud.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The fraudulent company XXXX XXXX XXXX was taking {$190.00} from my account from XX/XX/XXXX until XX/XX/XXXX and then they started charging {$40.00} from XXXX until XX/XX/XXXX. I tried to settle this with the bank but they did nothing, no one ever called me and this company was fraudulent. SunTrust bank did not give me any money back as this company stole my money without my authorization. Then they tried to close out my account after initially denying the claim, it appears as if this was retaliation for filing the complaint. I contacted the company. Who didnt respond due to being XXXX down by the government, disputed it with the bank to no avail, filed a complaint with with the OCC snd now were here, they have done nothing nor has researched anything. Hopefully theyre a better bank as Truist bc tax Suntrust not so much.
Product: Credit card or prepaid card

Goldman Sachs ( GS ) refuses to give full cash back amount on Apple Card on Apple Store XXXX  transaction because they don't count it as an XXXX transaction. 

1 ) Apple Card is issued by Goldman Sachs. The Card Agreement clearly says that " Goods or services purchased directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties.App Store purchases ( including In-App Purchases* ) .... [ eligible for cash back in the amount of ] .... 3 % of the transaction amount ''. 

2 ) My order was placed with Apple Online Store XXXX. 

Order Number : XXXX Order Placed : XX/XX/2021 Ordered Items : 12.9-inch iPad Pro Wi-Fi + Cellular 256GB - Space Grey, Smart Folio for iPad Pro XXXX ( XXXX generation ) - Deep Navy Order Amount : INR XXXX ( or {$1600.00} as it appears on the card ) Legal Entity on the receipt : Apple XXXX Private Limited. 

Cash back that was reflected on the transaction was 1 % only. 

3 ) When I noticed a reduced cash back ( 1 % as on any general purchase ) on the card transaction, I contacted Apple Card Client Support team at Goldman Sachs and created a dispute to get the full amount of the cash back XXXX 3 % as is supposed to be for Apple purchases ). 
Two days later I received an email saying that the dispute was not resolved in my favor. Quote : " Your correspondence regarding your Apple Card account was received. Although this matter is in regards to your Apple Card account, it is being handled by Goldman Sachs Bank USA, who is the issuer of Apple Card. 

Your dispute has been investigated. You contacted us on XX/XX/2021 regarding Daily Cash you earned on a transaction. We have investigated your dispute and determined that no error occurred on your transaction dated XX/XX/2021 at Apple Limited for {$1600.00}. You earned 1 %, or {$16.00} by using your card number. You have the right to request the documentation we used to determine the outcome of your dispute. '' 4 ) I contacted Goldman Sachs again on the same date to clarify and escalated this issue to a supervisor. They explained that they only give 3 % cash back on Apple US purchases. I asked where this is stated in the Card Agreement and they could not find such verbiage, so they created a new dispute at my request. 

5 ) Two more days later, on XX/XX/2021 I got a phone call from a GS supervisor who related to me the same resolution on my new dispute. They claimed that " Apple Limited in XXXX is not an Apple-owned entity and does not qualify for full cash back ''. 
As a Consumer of the bank product ( Credit card ), I do not see any of such verbiage in the Card Agreement and my consumer understanding is that GS must accrue 3 % cash back on this transaction. 

I could not resolve this with GS after several interactions. 

Please help to keep Goldman Sachs accountable for their baseless attempts to avoid paying the full cash back and make them follow the terms of the Credit Card Agreement that they themselves created. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. Specifically, I am contesting the account listed under the name XXXX XXXX. 

I would like to state clearly that I have no contracts or affiliations with XXXX XXXX XXXX, which appears to be associated with the account in question. Therefore, this account is inaccurately reported and should not be associated with my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this matter promptly and remove the erroneous account from my credit report. Enclosed are copies of my credit report highlighting the disputed account for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this incorrect information has been removed from my credit report. 

XXXX, Experian, XXXX to promptly remove this from my credit.
Product: Credit card or prepaid card

I was charged {$4900.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing an complaint in XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XXXX, XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.