23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company name is Keynote Consulting this company is reporting inaccurate information on my credit report. 
Acct XXXX Here are both amounts and acct number for both charges are XXXX. 
{$1400.00} {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some collection removed from my file in XXXX 2017,  then after awhile I look at XXXX and Trans Union and they were back on my file.
Product: Bank account or service

I signed up for a citigold checking account with citibank in XXXX of 2016 under the promotional code XXXX. After signing up for the account I received and printed out the terms and conditions for the promotional offer. The promotional offer entitled me to XXXX thank you points after a set of terms were meant. In XXXX I completed the terms of the offer and asked via a chat session with a Citibank representative when I should receive the XXXX thank you points. The citi Representative informed me that I should receive the XXXX points within 90 days. After 90 days had passed I still had not received the points. I contacted citibank again via chat and again was informed that I should have received the points and that my request was going to be elevated to an upper level. After 3 days, on XXXX XXXX 2016, I received an email saying I was not eligible for the promotion. I called Citibank back on XXXX XXXX to request clarification and was told again that it needed to be elevated to an upper level. On XXXX XXXX I still had not heard back so I called Citibank again. I was told I was not eligible for the promotion and there is nothing they can do about it. 

To summarize I was directly told by XXXX different Citibank representatives that I was eligible for the promotion but they are now refusing to honor it. I have documentation in the form of chat logs of these XXXX occurrences. Citibank did a bait and switch in order to get me to sign up for the account. I have been charged XXXX dollars so far in fees for this account which they are also refusing to refund.
Product: Debt collection

I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.
Product: Debt collection

XXXX XXXX, XXXX, called to inform me that I owe funds for a car loan that occurred over 14 years ago. She had addresses, partial SSN, car make, model, and VIN #, and a lawyers name ( fake I presume ). The company that she said she represents turns out to be a utility company in XXXX Texas. The vehicle in question was used as a trade-in back in 2002. Additional research shows that several other people have been called by her as well. She sounded very professional, articulate, and well informed about the situation.
Product: Mortgage

Specialized Loan Servicing, SLS, offered and i accepted Covid related modifications during the beginning and continuation of c19 lockdowns and severe unemployment.

Was explicitly told forbearance and any.modifications WOULD NOT AFFECT CREDIT REPORT NOR WOULD IT BE INDICATED ON MY CREDIT REPORTS. It IS SHOWN, and states a NEGATIVE with a 7 year expiration time for negative to be removed. Other people with different mortgage companies have NO indication of any mods and are in good standing with credit reporting companies. NOT SLS. Requested and they said could not do, even tho they stated at time of mod,, & is allowed under both Covid relief acts...
Product: Credit card

I have a closed account with Chase which I have recently paid off completely as of XX/XX/2016. The remaining balance at the last statement date was {$20.00}. I paid {$21.00} on XX/XX/XXXX and had a credit balance of {$0.00}. On XX/XX/XXXX, Chase issued a " debit adjustment '' and removed the {$0.00} from my account. When I called today and asked why they did this and why a check for this amount had not been issued to me, the representative said that Chase routinely does debit adjustments to accounts with credit balances of {$1.00} or less. I wanted to flag this for you because on an aggregate level, this must represent a very large amount of money that Chase is in essence stealing from customers. 
I was never contacted by Chase, either by an account notification, an email or a telephone call prior to the " debit adjustment '' occurring on my account.
Product: Checking or savings account

On Saturday XX/XX/2021 I made a deposit with a representative at the Chase Manhattan Bank, XXXX XXXX XXXX, XXXX NY XXXX. One check was a bank check from XXXX XXXX XXXX in the amount of XXXX. The other a Federal Check in the amount of {$600.00} Chase held on to the money for 4 days and has refused to credit my account. I personally went to the bank with my Chase Debit Card and provided the checks to the Chase Representative. Chase is hanging on to my money and I have absolutely no use of the money.
Product: Credit reporting or other personal consumer reports

I send information to resolve the fraud package but XXXX document i suppose send i dont have the document to demostrate where i live exactly at the date like month/day/year with my adress, when ocurred the fraud, And i dont have that documents and i let know the costumer representative Bull citi financial i dont have that information but im gon na check but i already check, and i dont have that document exactly where i live in that month/day/year when thats happen, So i proceed to make this complaint by IDENTITY THEFT.GOV report step by step And this is one of this steps.
Product: Mortgage

I am a XXXX. My work would be slow. When XXXX was servicing my loan, I would get behind but was always given the opportunity to bring everything current as I would never let it get more than 3 months delinquent. When the servicing transferred to Carrington Mortgage Servicing, I got behind by three months. In that third month, I sent in a payment. Approximately two weeks after sending the payment, I was getting ready to send a second payment when I received the first payment returned. I called to ask why and was told " you have to pay the entire amount because FHA rules state once you are three months behind you have to pay the total delinquent, it is n't Carrington rules, it 's FHA rules. '' I told them I was confused because that had never happened with XXXX and had not known that information, in response I was told " then XXXX was breaking FHA rules ''. I asked if there were any other options and I was told no. Because I did not have all of the money at that time, only two payments instead of three, things just got further behind. By the time I had the three months payment, I was four months behind and so on. 
I called again when I received the notice of default and asked if there was anything I could do to make some kind of arrangements and stop the foreclosure process as I was close to the amount needed to catch up on the delinquent amount, I was told I would be mailed information. I did not receive any additional help or information. I then decided my only option was to sell my house so I could hopefully avoid foreclosure on my own. 
I am now almost done with selling my house and called to ask if there was a way to stop incurring fees or stop the foreclosure process since I was close to being able to have the house sold. I was told no, the only way to stop the process is ask for a payoff and then pay it and that I would continue to receive penalties and attorney fees until then. 
In talking to a lender I am told that I should have been given a point of contact once I was sent the notice of default. To my knowledge, I have never received such a person. In the " foreclosure package '' I received, there is a document that that has a box checked that states that I was " personally contacted and options were discussed. '' by Carrington. This did not happen. I have been given no option other than, pay everything. Even as I called today and recorded my conversation, the representative again told me there is no option to stop the foreclosure process or incurring fees other than to request a reinstatement amount and then pay that with all penalties and fees and also a reinstatement fee or to ask for a total payoff amount and pay the loan off completely. Until I do that, nothing else can be done and attorney fees will continue to accrue. I do not feel that I have been helped in any way and had I been sent to a path of correction when I was only a few months behind and had two months of that delinquent balance, I would not be in the scared position that I am today.
Product: Checking or savings account

I opened an saving account with BBVA back in XX/XX/2018 with promised promotion of {$50.00} after 90 days with balance of {$100.00}. More than 90 days I still haven't received the bonus, I came to the branch and talked with the XXXX he said the bonus should deposited automatically after 90 days from the date of the first direct deposited of an checking account on XX/XX/2018, which is nothing related to my saving account. However, I still waited. That days has passed, no bonus add. I called the online customer service and talked to the XXXX, he apologized and said bonus will be deposited in couple days and he will monitor my account closely. I still have not received the bonus which has been almost 4 months. I sent them several emails and there was an escalated case has open but Everytime I told me a new deadline which is I don't have a clue about those days. Please be aware of BBVA bank, they talk so nice but they just trying to past time, and did not do what they promised. The whole system was failed and very unprofessional. Everytime they send an response email to mail, they always send the full page with the tone of lecturing about the requirements and such which is I met all the requirements. They don't look at the account details and just gave robotics answer. Don't do any business with BBVA bank.
Product: Vehicle loan or lease

On XX/XX/XXXX I was instructed by XXXX XXXX to sell my car to XXXX and pay the difference as a secondary option instead of surrendering the vehicle. Receiving the quote from XXXX and filling out documents to sell the car, I was told that the associate of sales at XXXX, by the name of XXXX, was giving the loan company an issue, finalizing the sale. XXXX XXXX then pick up the vehicle and sold it to an auction company only to leave me with the remaining debt and no vehicle. 
I have repeatedly called them and received no help in regards to this matter. On XX/XX/XXXX I called and spoke with an associate who took my information and reassured me that I would get a call back from the gentleman who handled the purchasing of the vehicle and selling of the vehicle with XXXX. On XX/XX/XXXX I called back again to gain further information on why this debt is still being reported. I spoke with XXXX in the title department and received a call back from XXXX stating that the car was repossessed because I refused to sign a release form with XXXX, which is completely false.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX I got a cashier 's check from my credit union for {$8500.00} and took it to Well Fargo Bank in XXXX XXXXXXXX XXXX XXXXXXXX and deposited it into the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought this to pay for the protection of a grant I applied for. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  told me this was to make sure I got the grant money securely. I was so XXXX to even believe this, but a so-called friend told me she received a grant after chatting with XXXX XXXX XXXX on XXXX. After receiving my money XXXX XXXX XXXX  contacted me and said the IRS was holding my grant and wanted {$15000.00} more dollars to release it. I have been fighting for days to get my money refunded. To no avail.
Product: Debt collection

Hello I have been going back and forth with this company since XXXX I filled a complaint with cfpb in XX/XX/XXXX but never heard back till last week they sent an email that they have sold this debt to a company called Jefferson Capital Systems , LLC I tried to contact this Jefferson capital to tell them not to attempt to report anything on my credit for 2 reasons one is that i have disputed this with affirm from day one and that this has been going on since XXXX which is 8 years they said they still don't have this account i
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX on XXXX when my last month of interest free occurred. By the time I made it back to land I realized the issue and paid the interest for some time while trying to work with XXXX to resolve this issue. Last year XX/XX/year>, when they reached out to obtain information for my XXXX XXXX to receive Servicemember civil relief act, I sent in my orders and the final contact is when they sent me a letter about closing my account. Once the closed account hit my credit, I called them to figure out how to remove the negative balance and they said I had to reach out to Credit Bureaus.
Product: Debt collection

My account was sent to AMA Recovery ( XXXX ) for collections. 
They put a XXXX  link on my company profile. I called them after to resolve the issue. They directed me to another company since they mentioned the loan was taken away from they. I asked them to then remove the XXXX lien they put on my company but got no reply. 
Thanks
Product: Mortgage

I have been sending complete loan modification packages to my lender. He tells me to wait 30 days and after that he sends me a new package to apply again, without giving me any answer. We have repeated this process over and over again without any help. I attach the last letter they send me, equal to many they sent before.
Product: Debt collection

Rausch Sturm LLP has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during XXXX! XXXX. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for XXXX Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.
Product: Mortgage

BSI Financial Services is my mortgage servicer. I have paid down a large amount of my loan and requested a recast of my monthly payment on at least XXXX occasions. They refuse to honor my request. 

www.bsifinancial.com myloanweb.com/BSI
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX account # XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX 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 a account without my written instructions 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.

Because of the violation i would like the following accounts in violation of the
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXXXXXX 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

My employer is incorrect on my experian, transunion and XXXX report. Please update to XXXX. XXXX has only ever been my employer.
Product: Credit card

Card opened without my knowledge fraudulently. No wet signature from me was obtained. Amount of {$5700.00} closed on my credit report without consent, knowledge and fraudulently.
Product: Debt collection

I have been paying bill for several months and when I looked at my credit score,  Overton, Russell and Doer filed a credit complaint with one of the three credit reporting agencies. It said I owed XXXX $ which I do not owe. I received a letter ( attached ) that my insurance information had been hacked from XXXX XXXX. I called to notify Overton Russell and Doer ( ord ) but no one got back to me. My credit score went from XXXX to XXXX overnight. I need help with this communication snafuu. 
Thank you
Product: Credit reporting or other personal consumer reports

Account name : XXXXXXXX XXXX XXXX Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/year>. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/year>. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain regarding unauthorized credit inquiries and identity theft that have severely impacted my credit report and financial standing. 

Unauthorized Credit Inquiries : On obtaining a copy of my credit report, I observed an unauthorized credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not consent to this inquiry nor authorize any entity to access my credit report for this purpose. These inquiries are incorrect, unverified, and unauthorized. They are negatively impacting my credit score and loan applications. 

I request that this inquiry be investigated and removed from my credit report immediately, as it does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I have been a victim of identity theft resulting from a data breach compromising my Social Security number. To address this, I have filed an FTC Report, a copy of which is enclosed with this correspondence. Under 15 USC 1681c-2 ( a ), you are required to block and remove all information associated with this identity theft from my credit report within four business days of receiving this complaint. 

Details of Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been reported without my written consent, violating 15 U.S. Code 1681b. As such, they must be immediately removed from my credit report. 

Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S.C. 1681i ( 7 ) - Method of verification Violation under 15 USC 1681a ( 4 ) - Right to privacy Violation under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I demand immediate action to block and remove these fraudulent accounts and inquiries from my credit report. Should you find any authorization that was supposedly obtained for these inquiries, please provide such documentation promptly. Failure to comply will result in me seeking monetary damages through small claims court. This complaint has been shared with the Attorney General 's Office, the XXXX XXXX XXXX  and the Federal Trade Commission. 

Please acknowledge receipt of this complaint and provide a timeline for its resolution. Your prompt attention to this matter is greatly appreciated.
Product: Mortgage

XXXX of XXXX Loancare send me a letter saying I no longer owed any money on my mortgage and to stop all auto payments. I tried to send the money anyway and they sent it back. I even called to verify the letter. Almost a year later I received a letter saying i was XXXX behind in payments. They then offered a refi and I said send me the paperwork. Loancare failed to do so. I send a message to the CEO in linked in about it and an exec contacted me. He said they would fix my credit report and send me another package to refinance. They then send a loan modification letter saying I had 3 months to make payments then they would modify my loan. Just found our in XXXX of XXXX that they took me to court to get my house in XXXX of XXXX and that it was in foreclosure. In XXXX of XXXX they sold my loan to XXXX which I just found out is owned by Loancare. XXXX again tried to force me into a loan modification in XXXX on XXXX. They told me that I had to make 3 payments again. Then they started reporting on my credit that I was not making payments. In XXXX they told me that they would fix my credit report to show correct data if I sent them my XXXX XXXX. They have not fixed my credit report even though I have been making the payments. I told them that I have a XXXX XXXX and will lose my job if they dont fix. They still keep falsly reporting no payment on my credit report.