23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XXXX XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within 5 days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Credit card or prepaid card

Last year I applied and obtained a secured MasterCard from Citibank - Acct # XXXX XXXX XXXX XXXX for which I made a security deposit of {$1000.00}. I was dissatisfied with the card from the very beginning and had unbelievable problems even with opening the account ( Citibank swiped an EXTRA {$1000.00} from my bank account and it took over 2 months to get it back, including filing a complaint with the CFTC ). 

About a month and a half ago I closed the account and yet, to date Citibank has not sent me back my {$1000.00} security deposit! They are not paying me interest, nor are they providing any service. My account balance at the time of closing the account was {$0.00} ( XXXX ). 

There is absolutely no justification for Citibank to hold my security deposit and yet, in the multiple phonecalls that I made to the company, I was told that it would take a minimum of 2 months to get my deposit back and some representatives told me that it would not be until next year! This is outrageous and I request CFTC to intervene. Citibank needs to be fined/penalized for these fraudulent practices!
Product: Credit card or prepaid card

On XX/XX/19 I applied online for the new Apple Card managed by Goldman Sachs. I was shocked and disappointed that online I received the message that I would receive their response by USPS. I waited and waited for their response, and never received anything. Eventually after contacting XXXX XXXX at Apple, I did get an email resonse from Goldman Sachs saying they were denying my application for the Apple Card. I reached out to Goldman Sachs to discover their reason for the denial. I was told that the reason was that " I was too poor for any credit card. '' Finally I received an email about the denial. In the email the excuse for denying my Apple Card application was that " my monthly debt obligation was too high. '' I don't have any monthly debt beyond my rent payment. I have several credit card with a XXXX  balance and a credit limit of between {$5500.00} and {$12000.00}. Apparently Goldman Sachs is the only company operating with this gender discrimination. Based on the current XXXX  XXXX reports, I now believe that I have been discriminated based on my gender.
Product: Checking or savings account

My checking account was over drafted and the account was closed on XX/XX/XXXX. I have called and went into the local branch to make the payment of {$380.00} to bring a XXXX balance since then on XX/XX/2024 they have closed my savings account and they have said its due to activity on the account then they said its because of my address. I went to the branch to pay {$380.00} and ask to open my savings account they have told me they can not take my payment in the local branch but to call XXXX & XXXX which both have refused to take my payment of {$380.00} I am asking for help on this and have called the branch while I had the XXXX agent on the phone because they are telling me to one thing and vice versa. They tell me 10 different reasons why they closed my savings account and never saying the same thing! I can not understand that a company can get away with this!
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, someone has been using my personal information to obtain goods in my name without my consent, these actions have been done fradulantly and without my knowldge.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Crdit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 has violated my rights 15 U.S.C.1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : 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 reportingagency 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 believethat the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hello the hard credit inquiries below are unauthorized and I would like for them to be removed immediately please and thank you 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received my XXXX visa statement and noticed 2 large purchases that I did not make XX/XX/XXXXto XXXX for {$1000.00} andXXXX to XXXX for {$1100.00}. I called Chase visa and reported it. they cancelled that account and issued me a new card. and said they would look into the charges. My next statement came and still had the charges on it. I called again and spoke in more detail to someone I assumed was an investigator. he asked questions about an address that was't mine and said he would get back to me, no one did. My most recent statement still has the charges on it
Product: Debt collection

The company placed a negative collection on my all of my consumer reports without written consent and or proper time to dispute the debt. I am unaware of any debts owed to the company and or whoever the collection company may represent. 
Account number : XXXX Date opened : XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

According to Key Bank - my MC issued by  XXXX   XXXX  bank was closed because they received a report dated on  XXXX   XXXX ,2017 that I filed  Chapter   XXXX  bankruptcy.   Fact : I did filed a bankruptcy but that account was never included.   The account that they closed was of good standing -just made a $  XXXX -payment. The credit limit was {$5000.00} and it has an outstanding balance of just over {$2000.00}. I can not access the account thru online banking and I only have those paperless banking so I do not have papers.   I am trying to fix my credit and I have been keeping this account of good standing. I find it very unfair to just close the account that does not have a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has a posted negative for XXXX this should be deleted
Product: Credit reporting or other personal consumer reports

XXXX continues to violate the FCRA requirements and my consumer right I asked for this XXXX XXXXXXXX XXXX account to be removed for reporting inaccurate information. 

XXXX reports that last payment received was both XX/XX/year> and XX/XX/year>. 
Although they report pay as agreed in XXXX and XXXX of 2019. 

I asked that this account be removed for inaccurate and incomplete data but instead updated historical account information. XXXX through XXXX of 2019 No Data, then a payment in XX/XX/year>, then again No Data in XXXX and XX/XX/year>. 

Report first delinquency as XX/XX/year> Please remove this account from my credit report immediately
Product: Debt collection

i get repeated calls from Conserve. XXXX They ask for " XXXX XXXX '' ( sp ). 
I tell them this is my phone number and I do n't know this person so please stop calling me. 
I later called the number back and stated the same to a manager " XXXX '' ( sp ). 
They asked what my name was but I refused to give it to them.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the mistakes stayed. I'm really concerned about this and need the documents I've sent to be checked thoroughly so I can stop worrying about it.
Product: Debt collection

I am writing to formally dispute the presence of fraudulent charge-off and unauthorized collection accounts on my credit report, which have appeared without my knowledge or authorization. After reviewing my credit report, I discovered these accounts that I believe to be the result of identity theft or other fraudulent activities. I am providing detailed information below to aid in your investigation. 
Account Information : XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
I have no knowledge of the accounts mentioned above, and I did not authorize any transactions or credit agreements associated with them. It appears that my personal information has been compromised, leading to the creation of these unauthorized accounts. I have taken immediate steps to report this identity theft to the appropriate authorities. 
I kindly request that you conduct a thorough investigation into the origin and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I am aware that the FCRA requires credit bureaus to investigate disputes within 30 days of receiving a consumer dispute, and I urge you to adhere to this timeline. 
If your investigation reveals that these accounts are indeed the result of fraudulent activity, I request that you promptly remove them from my credit report to mitigate any negative impact on my credit standing. Additionally, please provide me with an updated and accurate credit report reflecting the removal of these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections on XXXX, Equifax, and XXXX that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}
Product: Credit card or prepaid card

I disputed the account in the amount of {$580.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now on my credit report they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that.
Product: Debt collection

Hi, To whom this may concern, I have attempted to contact Stern Recovery Services on numerous attempts to not only validate my debt but, to also provide proof of my debt and to confirm the amount of the debt owed. I called the company on XX/XX/2022, I spoke with a representative that was not pleasant, that failed to provide me with proof of my debt after asking numerous times and also provided me with the false amount. 

According to my Credit Report, they are attempting to collect {$140.00} but, when I called the representative stated {$310.00}. I asked the representative to please provide proof of where that amount came from and why but, they stated they could not provide proof and that I would have to call back the next business day to speak to manager. I informed them that in order for me to pay the debt that they are claiming that I owe, I have the right to validate debt according to the Fair Debt Collection Practices Act. I called again on XX/XX/2022 to ask for the companies email and/or if they can send me proof of the debt, the representative stated that they couldn't provide proof but, could only discuss the amount that I owe. I asked for the company email and address but, the representative failed to provide that as well. I am not obligated to pay any debt that can not be proven that it belongs to me as well as, providing me with the incorrect amount than what was sent to the collection agency.
Product: Checking or savings account

My Bank of America accounts XXXX and XXXX were closed without notice or explanation. And now over {$350000.00}. in my funds are in those accounts and BofA will not give me any clear idea of when I will get the money out. They tell me they will mail me a check eventually, or that I may ask sometime later this week for permission from the " back office '' to withdraw my funds in person from a branch. This is ridiculous if BofA is going to close my bank accounts I must be allowed to withdraw the funds IMMEDIATELY. ( I am traveling right now and am not even available to receive check via mail, so going into a branch and withdrawing my funds in person is the best option. )
Product: Student loan

I was put into forbearance without proper notification, which is now costing me over {$15000.00}.
Product: Money transfer, virtual currency, or money service

Block Inc, f/k/a Square Inc with address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX an official XXXX IRS filing form 1099-K to my mothers address. The form list my name and my taxpayer ID stating that I received payments totaling {$6600.00} in XXXX and XXXX of XXXX. 

They listed cash.app/contact as the methodof contact on the form. I contacted them immediately and they asked for the phone number connected with my account. I explained to them that I do not have an account with them. I did provide my phone number and they said that my phone number is not connected to any cash.app account. 
They said that since I don't have an account, they can not provide me any information and that they do not give tax advice. 

Someone is using my social security number to receivepayments on cash.app and Block Inc ( formerly Square Inc ) is taking no responsibilityto stop this.
Product: Mortgage

On the beginning of XXXX I applied to refinance my house, I received a call from XXXX XXXX from Quicken Loan and On XX/XX/XXXX he sent me the approval for FHA loan with 2.25 % after I sent him all the papers work that he asked for. 
After that Quicken Loan wasted my time and basically doing nothing to go ahead on processing my loan, and every time someone call me from Quicken Loan they are all RUDE and unprofessional. 
They asked about a deferred balance in my renter property, and I told them that deferred balance, done in XXXX and I sked them that they can call the XX/XX/XXXX and have three way call to approve it, but I believe the employees at Quicken Loan were too lazy to do their job. 
On XX/XX/XXXX, I received a call from Quicken Loan and I spoke with XXXX XXXX and he was very rude and unprofessional and kept rushing me, and in the end he said there is nothing that he can do to find out if the deferred balance happened on XXXX, and he said that he can cancel my loan and he sent me the following email : Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XX/XX/XXXX, XXXX XXXX XXXX XXXX Now Quicken Loan wasted my time and my chance to lower my interest to 2.25 %, and Quicken Loan put me in emotional stress because of the two months wasting my time the the way Quicken Loan treated me with rude ways.
Product: Debt collection

CAINE AND WEINER SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.
Product: Debt collection

Unified Global Solutions LLC contacted me through email on XX/XX/23, stating this : Our Internal Control Number : XXXX Original Creditor : XXXX XXXX Total Balance Due : {$1100.00} Hello We have made several attempts to reach you regarding the above mentioned business matter. This account will be listed as a direct refusal to cooperate if suitable arrangements are not made. A decision will be made on your behalf and may also reflect as derogatory on your Credit Report. The issuer does reserve the right to litigate on this account via the contract you have signed. We are willing to work with you if you are unable to pay the balance in full if your account is approved for hardship. You can contact us by phone or email displayed below to make arrangements to avoid possible legal action. 
Regards, Unified Global Solutions, LLC XXXX XXXX They said that they have contacted me several times, but this was the first time I was contacted. I replied to their email stating I was like to see if I can qualify for a hardship. They called me, left a voice mail, about setting up a hardship. I emailed them back asking them to please MAIL me information about their company and my XXXX XXXX account. They replied and said that I could contact XXXX XXXX to ask for that information and that XXXX XXXX would tell me who the gave my account to, to collect the debt. XXXX XXXX states that Structed Settlement is who should have my account. 

I've emailed them 3 times since then, asking for more information and that a debt validation letter please be mailed to me, but I have not received anything. 

A women has been calling me, leaving voice mails, her name is XXXX XXXX, but she doesn't say what company she it with, but she does reference the hardship I asked about in her messages. She has also called family members and left messages saying she is going to file paper work at the courthouse if I don't respond. The number she wants me to call is XXXX. 

All I want is for them to mail me a debt validation notice so I know this is a legitimate debt collector before I pay anyone any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have just received a letter from XXXX that I have some issue with consumer credit report. My background check is processed via third party HireRight. I am so surprised that I had some negative findings in my credit report that prevents me from being employeed at XXXX. 
Please give me the permission to look at the report and I can understand what's happening in my case. I was an international student at XXXX XXXX XXXX University from XXXX and left the U.S in XXXX. I have come back to U.S with my family and filed tax returns in XXXX and XXXX and found out someone stole my SSN to filed tax return in XXXX. I filed a Theft Identity Adaffvit and am waiting for IRS repsonse.
Product: Debt collection

I was a victim who had an credit account opened in my name, the account went to collections, I wanted it off of my report so i made a few payments till i learned i was allowed to dispute it when i was never told i could. Ive disputed to account many of times & most recently was told i cant dispute it unless i file for fraud. The account case worker i have has made me seem very XXXX
Product: Credit reporting or other personal consumer reports

I saw some false accounts on my credit report today and have no explanation for them. I checked my report like I always do, but unusual discrepancies appeared. I tried refreshing the page, thinking it might be a glitch, but nothing changed. Therefore, I am requesting a detailed review of the documents I provided to prevent this issue from happening again.
Product: Credit card

Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.