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

Dear Consumer Financial Protection Bureau, I am writing to express my concerns about the due date and time zone difference issue that I recently encountered with my Apple Card account. I believe this issue may have resulted in an overdue payment and an associated interest charge, despite my efforts to make timely payments.

As a loyal customer of Apple Card, I was disappointed to learn that the due date of my monthly payment was based on the Eastern Standard Time ( EST ) time zone, while I live in the Pacific Standard Time ( PST ) time zone. While I understand that this information is included in the terms and conditions of my account, I feel that it is not sufficiently highlighted or emphasized in the payment interface or other account notifications. As a result, I mistakenly assumed that I had until midnight Pacific Time on the due date to make my payment, and was surprised to find an overdue balance and an associated interest charge on my account on XX/XX/2023. 

I have attempted to resolve this issue with the Apple Card customer service team, but have not received a satisfactory response. I am disappointed with the lack of transparency and accountability in this matter, and I feel that this issue could have been easily avoided with clearer communication and a more user-friendly design.

Apple Card customer service referred me to Page 10 on the terms and conditions, but they should label it more specifically at the beginning. I am really disappointed.
Product: Checking or savings account

Subject : Urgent : Assistance Needed Regarding Frozen Bank Funds To Whom it may concern, I hope this email finds you well. My name is XXXX XXXX, and I am writing to seek your professional assistance regarding a pressing matter related to my bank account. 

Approximately 3 years, my bank, Capital One, froze a substantial sum of {$39000.00} in my account. Despite my best efforts to resolve this issue directly with the bank, I have encountered significant challenges and obstacles in regaining access to my funds. 

These funds were from my SBA loan which I Applied I got approved for {$52000.00} some change I got the funds to my private account I used some of the funds out of $ XXXX my whole three accounts were last on amount of {$39000.00} when the bank freeze my accounts then send me letters stating that the accounts were closed on customer request which I never did that they were not giving me the right answers they were like they had send money back to SBA upon asking SBA they said they never got money from the bank. 

I am reaching out to your esteemed law office because of your reputation and expertise in handling complex financial and banking matters. I believe that legal intervention may be necessary to help me navigate the intricacies of this situation and work towards a resolution. 

I kindly request your immediate attention and guidance in this matter. I am prepared to provide all relevant documentation, account statements, and any other necessary information to assist you in understanding the details of the freeze. 

I understand the importance of prompt action in such cases, and I would appreciate the opportunity to discuss this matter further and explore the options available to me. Please let me know a convenient time for a consultation, whether in person or via phone or video conference. 

I look forward to the possibility of working with you to resolve this issue and regain access to my frozen funds. Your expertise and support would be invaluable in helping me navigate this challenging situation. 

Thank you for your attention to this matter, and I eagerly await your response. 

Sincerely,
Product: Mortgage

XXXX my mortgage came due for a balloon payment. I called PHH mortgage to refinance and they told me it was to late. I said what? to late, why? they said I had to apply before the due date. I didnt know this and said what now? they said i could apply for a modification. So they went through everything with me to fill out application with them over the phone. so I did. then I had to submit bank statements and pay stubs etc ... everything they ask for. I did it. they said It would take at least 30 days to process. It was Late XXXX. I think around the XXXX the letter was dated that I was denied. They had set up a phone call for a meeting and in that call they asked for more paperwork, which I submitted to them via fax and / email. Everything they wanted. They have every bank statement from at least XX/XX/2021 till now to prove my income. they just kept asking for more and more. I sent more, everything. They kept saying they were reviewing. In the mean time they were reporting I wasnt making my house payments on my credit. They wouldnt take my house payments. I tried over and over. I would even get calls from them wanting an house payment and then they wouldnt take it. I could make my house payments the entire time. I had a representative from PHH mortgage tell me to write a hardship letter and explain my situation. I did and she told me to make an offer to settle the account. Which I did more than once. All I get is the run around. They said they wouldnt foreclose as long as they were working on the modification but now they are and have turned it over to an attorney. I tried to get other financing and since theyve ruined my credit I cant get financing to save my house. I've been here XXXX  years and Im fighting to keep my home. So I contacted the Wisconsin Help for Homeowners and the person in charge in my area told me to report PHH mortgage to you because she questions why they offered me a modification. She said you can only modify a loan that exist, technically she said since my loan came due I dont have a loan to modify. She feels like we do now that we have been strung along so they can steal our home from us with the markets on housing being what they are. I have almost half of what is owed on my loan and qualify for a grant from the state because of me not working because of covid. The girl from the state called PHH mortgage to discuss the situation and get them to accept the request from the state to be on the list for the grant. She was transferred and disconnected 3 times trying to get information. I gave them written permission to talk to her as well. Im desperate. Please help us. I dont want to lose my home. I can make my payments.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have a Fruad account on my credit report and XXXX inquiries. 

Accounts 1. XXXX XXXX XXXX XXXX {$56000.00} Inquiries 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX
Product: Credit card

I applied for the XXXX credit card administered by Barclay 's out of XXXX, Delaware on XX/XX/XXXX and was approved after a hard hit on my credit report with a score of XXXX. I have used my card several times over the past 6 years and have always made on time payments, never had a late payment. I used the lock feature on their mobile app to prevent anyone from stealing my card number and making charges. 
On XX/XX/XXXX, I received notification from XXXX that my acceptance with Barclay 's had been closed dropping my credit score by XXXX points ( due to Barclay 's performing an unauthorized credit check for an unexplained reason ). I have never had a single late payment on ANY of my credit cards. Why Barclay 's chose to check my credit without obtaining my authorization is beyond me. I called them on XX/XX/XXXX to ask. I was not provided an answer and was told that I had been mauled a letter on XX/XX/XXXX, the same day that the account was closed. I received the letter just today and it mentions that the credit decision was based on inactivity in the past 3 months ( no information about this in any correspondence to me ever ) and high usage on one or more accounts on my credit report. It goes on to say that the consumer agency that provided information that influenced their decision was XXXX ( which also included my current score of XXXX which isn't much different than the score of XXXX XXXX years ago used in approving my account ). Then the letter turns around and makes a contradiction in that the " reporting agency played no part in their decision and is unable to supply specific reasons why Barclay 's has taken this action ''.

The reason that I believe Barclay 's has made this bad faith decision is because part of my income derives from a public assistance program, namely SSDI. The company has also recently asked my marital status which I found odd.

Upon learning of this unfortunate and discriminatory closure of my account, I immediately called Barclay 's and asked for a clarification on their decision to which I was told that I would receive a letter in the mail. I offered to make an immediate purchase to have the account reopened ( since I wasn't informed that a purchase within 3 months was a requirement ) and was told no and that they would not reopen my account but that I could apply for a new account ( which of course would have a much lower credit score because of a direct result of their decision to close my account ).

I have been discriminated against to which the Federal Equal Credit Opportunity Act specifically prohibits! 
I deserve to have my account reopened and given the opportunity to make a purchase ( XXXX ).
Product: Credit card or prepaid card

Review the section and review your letter doesnt add up I give you 7 business days to have both accounts remove from XXXX and XXXX! 


A ) Reporting information with actual knowledge of errors. 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.

3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

623 ( a ) ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I took out a loan from XXXX XXXX for XXXX they deposited the money into an account They then issue a temporary check book for the Purpose of transferring monies from that account to my new checking account my payments were adjustable rate and were billed to me as accordingly related to the money I used during the loan then stopped my line of credit I continued to pay 15 years of payments and paid off the loan at the end of the original agreement was a pay-off of some XXXX I approached the bank manager to get the record of the amount of the original loan was used and where I was told the info was in an archive and it would cost me XXXXdollars per page to access this do this day I can't positively prove how much money I actually was able to use they send me a monthly bill requesting I pay the full XXXX balloon payment in full they recently taped a note to my front door stating I contact them witch I did repeating my request for disclosure of necessary info they said they would get back to me the next day it's been two weeks no info they have posted the loan on my credit report and added XXXX in fees these numbers never added up I have documents and other info pertaining to this loan also I have a XXXX file that's important I was unable to upload
Product: Debt collection

I was checking my credit report and I noticed a new collection was added to my report without my knowledge. The collection agency still has not notified me of this debt and according to them it has been in my report since XX/XX/2018 without me knowing or any notifications. This practice violates my FCRA rights and FDCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time Midwest Recovery Systems has put a collection on my account for some payday loan I have never heard of, XXXX XXXX. No notification of such an item every received. I have never heard of their client and I want this removed immediately. They are already reported and revoked by the XXXX for complaints. It's ridiculous companies can get away with these practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX  from XXXXXXXX school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX XXXXXXXX - received emails stating loans were 90 days delinquent and credit score dropped from 750+ to XXXX - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX XX/XX/XXXX - began dispute with XXXX  XXXX XXXX and Experian credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with Experian and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - XXXX  XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - XXXX XXXX unable to login to system on multiple days and multiple attempts
Product: Bank account or service

I opened a business checking account at Wells Fargo with an initial deposit of {$5000.00}. The gentleman who set it up told me that there was some sort of automatic transfer that would make it not incur fees. I never used the account - never wrote a check, never made a deposit, never made a charge - and then when I came back two years later I had {$4400.00} remaining in the account. I could n't believe my eyes ... {$540.00} in charges to just hold the money in a checking account! I think maybe what happened is they charged me a fee that put me under the minimum and then they charged me a ton of fees for being under the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I called Kholes to ask about their late policy, the lady I spoke with let me know that they report every 2 months and that if I made my payment for XX/XX/XXXX before the end of XX/XX/XXXX they wouldnt report and I would be ok. I made my XX/XX/XXXX payment in XX/XX/XXXX I believe and a couple of days later I got a notification from XXXX XXXX  that my payment history had changed. They reported me late after I was told that wouldnt happen. Since they I have called multiple times and I get told theres nothing they can do. I have even spoke with 2 managers and one was no help at all and the other stated she would put in a request to the credit bureaus I told her ok thank you. I then just got a letter on Monday XX/XX/XXXX that they can do anything once again and they are reporting correctly. This is my last attempt before I go to the XXXX. I have tried every avenue for them to correct their wrong doing after I was told one thing and then another thing happened. Its not fair to me to have to go through this situation with them and they have no sympathy or understanding of what happened and the simple thing I am asking for from them to fix it. This is my last attempt for Khols to make this right or my next step is to go through the XXXX. If once again I get a response saying theres nothing that can be dont I will go to the XXXX   and also close out this credit card and will never shop at Khols ever again. This is my first time having their credit card and the service they provide to their customers is poor.
Product: Debt collection

This debt was incurred by capital one one the year 2010 and it has then been more than 9 years since the debt was owed. USD ( {$400.00} ) Capital One is no longer expecting their money back because last time I spoke with their entitys representatives they told me that they had written it off. This this third party company is calling my number and has disclosed to me that they have systems in their power of utility to look up my personal familys phone number and call me no matter where Im after I have changed my phone number on more than five occasions. Every time I apply for a new XXXX on my credit they have found my dial on their directory and are contacting me with out any legal representation nor with out any consent of my own prerogative. According to the fourth of amendment of the the U.S. Constitution we as a people have the right to be protected in our persons assets and effects. My call dial number is my effects. ( IV ) They have call me on several occasions answer and I have asked them to take me social security number out of their DOS system and all they do is hang-up on me. They say I have to write a letter to them to disclose to them my current address. I have not and will not do that. They do NOT have my permission to utilize ( use ) my SSN #! They in fact, as far as Im concerned, stole my number from the SSA.
Product: Credit card or prepaid card

A recent adjustment was made on my account and Bank of America removed {$.00} from my account that I had overpaid on my statement. Contacted customer service and was told a check was mailed to the address of record on XXXX XXXX, 2017.  Informed the representative that I had not received the check. He informed me he would do a stop payment on the check and they would reissue. Asked him to supply me with the check number and date of the check to prove to me that a check was issued. He said he could not provide me with that information. He nor his supervisor could not explain why Bank of America did the adjustment or where the funds went. This adjustment has happened to me in the past and I was told this was a system error and the problem was corrected. If the problem was corrected why did the adjustment happen again.?
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. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Hello, I would like to file a complaint to dispute the claims of a XXXX credit card that was created in my name XX/XX/XXXX. This particular credit card was created in a fraudulent manner in which I had no knowledge of until XX/XX/XXXX. XXXX/NCB never brought this matter to my attention because they claimed while I was in military service, they did not want to burden me with this matter. I am still in military service with the XXXX XXXX. I was XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I am still in military service for the California XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have included several supporting documents to include my XXXX in which shows my service in XXXX XXXX time and the transference to the XXXX XXXX XXXX. I have also included the court papers in which NCB claimed they served me in XX/XX/XXXX. I was never served or given these court papers. Lastly, I wish to state that I must maintain proper standing for my XXXX clearance for the government. A suing and or debt of this matter would of prevented me from obtaining my clearance if this matter was brought to myself or my employers attention. This credit card account never appeared on my credit report in the past 10 years. Please let me know if you need any additional information from me in regards to this matter. Thank you.