23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Help me please CFPB!!! 

This is my formal complaint against Goldman Sachs Bank for application denial, misappropriation of collateral, and breach of contract. 

I submitted an application for Federal Reserve XXXX in XXXX of this year. Despite providing the necessary security collateral as well as a tender of payment, my application was unjustly denied by the bank. 

According to Section XXXX of the Federal Reserve XXXX, only the Federal Reserve XXXX if Directors has the authority to approve or deny applications for Federal Reserve notes, ensuring that they are backed by adequate collateral. Goldman Sachs Bank 's actions in denying my application and retaining my collateral contravene this provision, resulting in financial loss and a breach of trust. When the were contacted and a request was made to rescind my application, they also denied the request. 

The Federal Reserve XXXX was designed to furnish an elastic currency to consumers and establish effective supervision of banking practices by member banks. XXXX XXXX 's conduct undermines these principles, highlighting a failure to adhere to their fiduciary obligations. 

I request the CFPB to investigate this matter thoroughly and ensure that Goldman Sachs Bank is held accountable for their actions. It is imperative that consumers like myself are protected from such unfair practices and I am quite positive they have been engaging with these illicit practices globally across their business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

You are in violation for reporting incorrect information for accounts XXXX XXXX XXXX The accounts were opened in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) and charged off due to delinquency in XX/XX/XXXX with balance of {$500.00} ( XXXX ) and XX/XX/XXXX with a balance of {$1000.00} ( XXXX ). My credit report does not match this information. Furthermore, the payment history on these accounts proves their inaccuracy. How can 3 bureaus report 3 different sets of payment dates? I would like to see the original source of info as well as any documentation on file. Please also send me the paperwork that was used to 'verify ' these accounts. These accounts need to be removed from my credit report because they do not meet the requirements of the FCRA for inaccuracy.
Product: Credit card or prepaid card

I was hospitalized for over 60 days from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX then hospitalized again in XX/XX/XXXX for 13 days with XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. I have been in rehabilitation care from XXXX XXXXXXXX to now and have tried to contact Home Depot Credit card service Citi bank about my health but I am being told there isnt anything that they can do to help with all the late fees because I have had a late fee waved in the past 12 months prior to this XXXX XXXX XXXX 

I missed the XXXX and XX/XX/XXXX payments and was charged lates fees. I tried to get late fees removed stating my circumstance detailed above. I then made 2 payments in XX/XX/XXXX, was told I was caught up but the late fees again would not be removed. I get harassing phone calls and was offered to sign up for hardship program where my account would be closed, late fees would be moved to the end which means I would have to pay them and I would be setup with a low payment and number of payments to pay it off. Minimum payment was {$29.00}. 
I do not wish to close my account and have all this negatively impact my credit and I am still XXXX XXXX  and in XXXX XXXX XXXX need help getting this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, requested that personal information be removed from my consumer report showing incorrect spelling of names and unknown addresses. This request was received by the consumer reporting agency, TransUnion, file # XXXX on XX/XX/22 with proper documentation included. ( i.e. ID, Proof of Address ). The consumer reporting agency, Transunion, responded on XX/XX/22, with the opinion that they believed I did not send in the request and I may have used a third party. Along, will no personal information being updated. This is a violation of my rights per 15 USC 1681H ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following unauthorized inquiries from my credit file within the next 15 days. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX , Account # XXXX has violated my rights. 

15 US 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.
Product: Credit reporting

XXXX Bank reported I was 60 days late for the past two months and when I called they said I was n't, so I needed to contact the credit companies and dispute them
Product: Mortgage

I had an unforeseen problem with my mortgage payment for XX/XX/2019. I set up the mortgage payment on the Sunwest mortgage company website for XX/XX/2019. Even tho this would have been 30 days late I was willing to pay late fees. I planned on paying the XX/XX/2019 payment on time. XX/XX/2019, received a phone call from a representative from Sunwest mortgage, in ref to XXXX payment. The rep explained no payment was pending or received. I explained I set up the payment for XX/XX/2019, at that point, I signed into the Sunwest site online. to check the status. No payment was pending, I told the REP I would pay the mortgage now. The REP advised me they block the payment part of there website and I wouldn't be able to pay it online. I told the REP this doesn't make sense to block me from making a payment and this is my complainant. Why would any business make it difficult to make late payments, I could O made my payment over the phone, but I rather make a payment online, I decided to mail the payment in and making it longer for the payment to clear. In the meantime, Sunwest will continue to make collection calls, as a result of blocking the online payment site.
Product: Debt collection

The Debt they are trying to collect is time barred and I was never given notice as Ive been on Federal XXXX. I do not recognize the dates or amounts I have not ben given information and they will not give me info on the phone. The date reported on the credit reports are not accurate I never received anything from them in 2019 orto my knowledge anytime
Product: Mortgage

Buyer and seller entered into a contract to purchase real property in a common residential agreement. There was a mortgage contingency and the buyer chose TD bank to obtain a mortgage. Contractually, the closing date was to be XX/XX/2016. TD BANK issued a clear to close on XX/XX/2016. Sellers moved out and went under contract to purchase another home based on the contingency being removed. Closing was still delayed until XX/XX/XXXX because of various issues, but both parties had signed ALL required paperwork on XX/XX/2016, both the buyer and TD bank wired funds to the closing agent. However, TD BANK REFUSED T FUND THE LOAN BECAUSE OF " underwriting '' concerns. It is now 3 days later, funding has not yet been authorized, and the parties are not being told why, if it will get resolved, or when. TD BANK IS HOLDING at least XXXX families hostage and are not communicating at all.
Product: Credit card or prepaid card

In XXXX of 2015 Bank of America put a 30 day late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account, then reopened the account when I disputed the issue with a branch manager in XXXX XXXX NY. However, they never removed the late payment that was associated with the same issue. It just popped up on two bureaus and has severely lowered my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are showing that my past Mortgage with NationStar is showing XXXX days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact NationStar and XXXX  and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with NationStar has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not properly reporting my account as " in dispute '' to the credit bureaus for several months. According to 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers of credit information, such as XXXX XXXX, are required to notify credit bureaus when an account is disputed by the consumer. By failing to do so, XXXX XXXX has misrepresented my credit history, causing undue harm to my credit standing. ( i have the date of a representative admitting on a recorded line, they never reported the account in dispute ) 2. Experian has neglected its duty under 15 U.S.C. 1681i ( a ) to conduct a reasonable investigation upon my dispute. The lack of proper investigation has resulted in negative, inaccurate information remaining on my credit report for years, which has directly harmed my financial well-being. A proper reinvestigation should have resulted in the removal of the disputed accounts if they could not be verified. As per federal case law, when a credit bureau fails to verify disputed items properly, those items must be deleted from the consumers file. Per the lawsuit against Experian, these items have to be removed. All closed accounts need to be removed asap. 

3. XXXX XXXX and Experians Failure to Remove Inaccurate Late Payments TransUnion and Equifax properly removed the XXXX XXXX account after conducting a reinvestigation ; however, Experian failed to do so, leaving the negative information on my credit report. Because no legitimate investigation was conducted regarding the late payments associated with XXXX XXXX, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), all late payments should be deleted as they can not be verified. Experians failure to comply with this requirement has resulted in unlawful damage to my credit for years.
Product: Debt collection

My son cell phone account with XXXX was under my name. 4 years ago my son left the country for a long trip. I called XXXX and asked them to freeze the account. the person who took care of this matter specifically said that when my son comes back we can call to reinstate the account, 3 months later, after this call I started to get bills from XXXX. since we also moved to another address I got those letters much later, I called XXXX and questioned those bills, they told me that after 3 months the freeze is removed, I explained that this is not what we where told, I decided to close the account. I paid {$200.00} for an early termination and was sure they will remove the charges that was done for no reason, for no use of the line, but they did n't. they send it to a collection company that keeps changing names after I dispute their charges. 
I 'm not willing to pay for someone 's else mistake, and for a service I did n't enjoy. 
The latest company name of the collection company is ENHANCED RECOVERY CO LLC. I would like to resolve this issue once and for all!!! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report in regards to these account and sent all other documents to all three credit bureaus XXXX XXXX has be compliant in removing these items but XX/XX/XXXX and equifax refuse to saying the account have been verified.i have made several request for the methods of verification and proof of verification, and both bureaus have been non compliant. 
account 1 ; XXXX XXXX account2 ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number # XXXX ... has violated several of my rights by reporting this same account multiple with different original balances and multiple late fees for each reporting. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer can not furnish an account without my written instructrions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents detailing blatant violations of my consumer rights
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased windows from Home Depot under a 24-month interest free promotion, with payments representing 1 % of the principal balance for 24 months. For the next XXXX months, I made those 1 % payments from my checking account using an autopay feature, to Home Depot Credit Services, through Citibank US NA. Home Depot erroneously set the promotion to XXXX  months instead oXXXX XXXX causing my monthly payment in XX/XX/XXXX to skyrocket from the 1 % of the principal balance ( about {$140.00} ) to {$620.00}. The principal balance was also increased to reflect the interest that had accrued over the past 12 months. 

Of course, I contacted Home Depot Credit Services immediately about this, and throughout the course of many follow up phone conversations, Home Depot acknowledged the error, and assured me that they would correct the problem, adjusting the {$620.00} charge down to the 1 % and correcting any adverse credit reporting. Around the late XXXX timeframe, Home Depot indicated that they would need to turn to their " Utilities Team '' to correct the account information, which could take several days.

As recently as about two weeks ago, I contacted Home Depot again because in spite of the assurance I received in XXXX, the XXXX statement still showed that I owed {$790.00}. I again contacted Home Depot immediately, and the representative with whom I spoke indicated that the Utilities Team had corrected the problem, that I was back on 1 % monthly payments, and the erroneous {$790.00} had been eliminated. That was exactly the outcome that I had hoped for. Before I ended the call, I resumed auto payments, starting with the minimum payment due of {$35.00}. It struck me as a low number, but I assumed that it had been reduced because of some adjustment, which of course I did not object to. 

Early this morning I happened to check my checking account balance, and was shocked to discover that Home Depot had deposited a paper check issued by Citibank for {$790.00}. It was dated XX/XX/XXXX. On the signature line it states, " Authorized by your depositor XX/XX/XXXX. '' This, of course, was not true. On or about that date, I had authorized ONLY the minimum payment of {$35.00} ( which was taken from my checking account ), and then the monthly auto-payments of 1 % of the principal balance thereafter. 

Please help me address this issue, since I was unable to do so effectively. My credit score has also now been negatively impacted because of Home Depot 's mistake in charging me {$620.00} in XX/XX/XXXX, which my refusal ( and quite frankly, inability ) to pay resulted in a late payment report to the credit bureaus. 

Thank you very much for your attention to this matter. 

XXXX XXXX
Product: Debt collection

I received a notice dated XX/XX/XXXX from an agency by the name of Associated Credit services. The notice stated the letter was an attempt to collect a debt. I never had an account with this agency. I sent a cease and desist as well as an notarized affidavit of truth dated XX/XX/XXXX sent certified mail on XX/XX/XXXX. I have since received another notice to pay with no reply to request of information requested in cease and desist that was sent. Pursuant to U.S. Code 1692b any debt collector communicating with anyone other than the consumer -shall not state that such consumer owes any debt. This company is furnishing this alleged debt on my credit report 's. I am a federally protected consumer and this agency did not have my written permission or prior consent to furnish or collect any of my information. I owe no debt to this company this debt is alleged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Introduction Im writing this letter regarding an account on my credit report that I desperately need to get resolved. Im looking to either have this account fully removed or updated according to factual data. To date, I have been unable to completely resolve this situation. This situation has the attention of the Federal Government and I only have a short period time to resolve. 

Situation OnXX/XX/XXXXI purchased a XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. This purchase for the sole purpose of a commuter car to save money on gas. The original purchase price of the car was XXXX and paid a monthly note of XXXX. My car note was paid every month on time and was never ever late. After XXXX  months of on time payments, I was involved in a XXXX XXXX XXXX ( no fault of my own ) which totaled the vehicle and sent me to the hospital with all types of XXXX and XXXX bills to pay in the future. The accident was considered a non-contest and the drive of the other vehicle was cited and his insurance company was required to pay all my medical bills and time off work. My insurance company totaled the vehicle and paid XXXX XXXX XXXX arpx XXXX due to the blue book value of the car. I did not have XXXX XXXX therefore I was left with a difference/balance on the vehicle. Within a matter of days, XXXX XXXX XXXX reported my account to the credit bureau and a repossession. Since the vehicle was reported as a repossession, I was not allowed to make payments toward the account. What I did not understand is how can my vehicle be repoed and Ive never ever been late on a payment. I tried to resolve this situation several times with XXXX XXXX XXXX. I even agreed to a payment plan with XXXX XXXX XXXX. The company accepted my XXXX payment however, to date the account balance still remains the same. I grew tired to trying to deal with the finance company and decided to resolve this situation through the credit bureau. I decided to dispute the account with XXXX XXXX and Experian. Once I disputed the account, XXXX XXXX XXXX was forced to change the status of my account from repossession to Late/Charge-off/Seriously past due. This status is still incorrect. This account would have been paid off if I were allowed to continue to make on time payments. My frustration currently is the account is still being reported incorrectly. I was never late on this account and my status should reflect accurate data. At this point, all I want to do is clear my good name and regain my credit worthiness the honest way. This is an injustice and just another example of how these big finance companies prey on the day to day hard working citizen. 



Closing : Please let me know what my next steps are to resolve this situation. My charter has been assassinated and my ability to get credit has been severely impacted due to negligence on XXXX XXXX XXXX part. I would like to expose this type of scammer to help other hard-working citizens in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries on my account. they are below. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

PayPal placed a Limitation on my account onXX/XX/XXXX due to fraud. On that day I spoke to a Supervisor- XXXXi- She escalated by case. On Friday XX/XX/XXXX I received a message stating that you partially removed some limitation, however I can not tell what those are. I still have no access to my funds. No responses from my daily messages to PayPal. I have attached the documents requested by XXXX again. The package for XXXX XXXX was delivered on XXXX. As you can see there was a note included, showing her satisfaction- The RISK of a chargeback is no existent. The other is the REFUNDS-UNKNOWN- XXXX XXXX are payment from a Delivery/XXXX XXXX- XXXX XXXX XXXX. This is how they pay in their instant payout feature to a debit card. These are not charge backs. I would also like to add that I have had over XXXX sales in my XXXX store with no charge backs at all. If you need documentation of that please let me know. This account is all my funds in the world. I have not been able to purchase gas or buy food for my family. As you can see the deposit that came in last week was my Federal Child Tax refunds and payment from another XXXX XXXX I work to make extra money for my family since I am a single mother.
Product: Checking or savings account

Never had a chase product of any kind in my life and now that I am attempting to open an account I am repeatedly denied for all products no one seems to know why. 

At this point my desire to obtain their services is dwindling but it is posing enough cause for concern and agitation that I submit this