23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on a trial modification with SPS back when covid hit. THey extended everyones payment dates and for a few months. I was able to make 2 of the 3 payments under this modification ( they always do a trial modification before a full modification ). I was not able to make the 3rd payment. It was due in XXXX. I was not able to make the payment in XXXX and I am not able to make this payment now. This is all due to covid. 

My daughter had a friend that was exposed to XXXX, so she had to quarantine for 2 weeks. As a result of this we had to as well. 

My wife was then later had a coworked exposed and then she had to quarantine and so did we all. 

I also had a coworker exposed to XXXX  and most of my company had to go home and quarantine for 2 weeks. 

We never contracted covid, but this 6 weeks has put us in a spot. 

I contacted SPS and went over all of this with them, and they did not offer any help or even try to see about pushing the payment out further. 

We can make the payment, just not now ( I offered to set this up for XXXX and they did not accept it. ). We are paying on our utilities to keep everything on. When you miss 6 weeks of work, it is hard.
Product: Debt collection

In XXXX this agency XXXX XXXX  reported this on my credit. After calling and speaking with them letting them know I have no knowledge of this report as the cable they supplied was not my house. They never had my identification or my signature on anything. They removed it. In XXXX they reapplied this same collection onto my credit and I disputed it and got it removed. Now currently once again it is back on being reported. During the time they supplied cable service to an address I was actively ( still XXXX XXXX ) serving in the military in XXXX, then XXXX. Its no way possible I opened an account with XXXX. As soon as I turned XXXX years of age I went away into the XXXX XXXX. At this point its harassment. This round I keep disputing and no one is replying to my letters or my phone calls in the matter they keep mentioning I have to pay. I refuse to pay for a service i never acquired or have any knowledge of.
Product: Debt collection

I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and Discover Bank. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. Discover is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Please let me know if you need any additional information on this.
Product: Credit card

On XX/XX/XXXX, the balance of XXXX transactions on my Apple Card, managed by Goldman Sachs, was to be fully paid and settled. XXXX XXXXXXXX, the bank in charge of my checking account, failed to send a payment claiming insufficient funds. However, there were sufficient funds to cover the transaction. I immediatly tried to send an additional payment through the apple card app, but it would not allow it, until the transaction was fully rejected. Thus, I was charged interest on the XXXX and XXXX transactions, as per the terms and conditions. I complaint to both XXXX XXXXXXXX and Goldman Sachs as this was outside of my control, and I immediatly had posted pay as soon as the Apple Card app allowed it on XX/XX/XXXX. Goldman Sachs credited only {$25.00} of the {$120.00} charged. As per terms and conditions, I reinstated authorization of automatic full monthly balance payments. The terms state that by the next due date ( XX/XX/XXXX ) as long as the XXXX balance, along with the declined payment of XXXX ( due XX/XX/XXXX ) and the interest charges were paid, the grace period would be reinstated. This time, the Apple Card app, failed to cover the monthly balance including the interest charge as authorized by me, the user. Interest was charged again for the amount of {$80.00}. By XX/XX/XXXX, I paid fully the XXXX balance, plus the interests, which were still in dispute. I had opened several cases and had several calls and text conversations with Goldman Sachs customer service department. Including high level supervisors, which claim they are clueless as to why I am being charged, but that they refuse to credit the account. On XX/XX/XXXX, interest was charged again on the amount of {$38.00}. As per terms and conditions, once all monthly balances and interest are paid in full by due date, grace period is reinstated for the running month. As a user, I fulfilled all responsibilties of authorizing the application for full monthly balances on due date, which include all corresponding interest charges for each period. Both XXXX XXXXXXXX  and Goldman Sachs have been negligent in their responsibilities to fulfill and settle transactions on my behalf, as formally authorized via their respective digital platforms. I was held unfairly, and perhaps fradulently ( at least for the last charge ), accountible for these errors and charged interest for which I expect full credit on my account. In conclusion, Goldman Sachs is violating their own terms and conditions, for interest charges posted on XX/XX/XXXX and XX/XX/XXXX, as I have abide by the rules of payment authorization and settlement of full monthly balances by their respective due dates. Yet grace periods are not being honored.
Product: Checking or savings account

I highly dispute being falsely accused of committing a speed violation law in the District of Columbia on XX/XX/2020 by XXXX/XXXX. I am infuriated and perplexed by Capital One N.A. Bank 's inability to proactively intervene to prevent fraud activity such as this merchant to still frivolously process an unauthorized charge to my account in the amount of {$130.00} mid-night of XX/XX/2020. 

As per the instructions, I wrote to dispute this wrongfully violation charge. This notice of violation is not hereby constitutes I was found speeding. I suggest this violation be removed and I reclaim my name after all I did not commit a speeding violation. Clearly this is a mistake. This suggestion comes out of respect for tax payers, and my request that their hard earned money not be wasted in such proceedings. As there is no evidence of my involvement with this alleged violation, as well as the fact that I am not granted my 6th amendment right to face my 'accuser ' ; I see no way the government could prove my guilt beyond a reasonable doubt. I also find no legal requirement for me to implicate someone else in this process, as it is the government 's responsibility to prove a person 's guilt. It is also my 5th amendment right to remain silent on the matter. 
If it is the government 's decision to move forward in this matter, I would request copies of any evidence the prosecution may have of my involvement in the " offense '' ; as well as, all alleged maintenance records for the allege camera ( s ) violation involved.
Product: Credit reporting or other personal consumer reports

I asked XXXX and the other two reporting companies to remove my Hard Inquires, late payments, and the closed account which is affecting my score and my chances of getting a business loan for my company. I told them that they violated my rights under 15 U.S. Code1681 ( c ) 2, 15 U.S.Code 1681, 15 U.S. Code 1666, 15 U.S. Code 1666 ( b ), Experian even locked me out of my account and said I had to pay to access any of my information.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have recently been informed that there is negative information reported by the US bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the file you maintain under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing with reference number XXXX filed on XX/XX/year>. 

The entry with reference number XXXX filed on XX/XX/year> with this court appears to be in accurate. 

Please verify and validate this information with the court and provide me copies of any documentation associated with account granting new access to report this information, bearing my signature. In the absence of any such documentation, bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I have contacted the United States bankruptcy court for the district of Oregon in person and via XXXX mail. Their response to me in reference to any credit reporting is that they are not a credit agency and dont report to any credit companies. There for I am demanding that this incorrect information be immediately removed from my credit report. 

Best, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX, I applied for an auto loan with XXXX XXXX in which they pulled my credit multiple times that was only authorized for one pull. I have called the dealership and Equifax on multiple occasions and they keep sending me back and forth between the two. The dealership stated I should not be worried about it because the multiple inquiries only count as one anyways ( inaccurate ). 

During XX/XX/XXXX, I applied for a tralier loan with XXXX XXXX, they too also pulled my report multiple times which should have only been one.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Agency as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. Per the Privacy Act of XXXX  no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. XXXX, XXXX, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

J P Morgan Case Auto Finance is report incorrect information on my credit. Including recently updating my credit file to reflect incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX I have never done business with these companies.
Product: Debt collection

Known that debt had to be paid, had a major health issues starting in XX/XX/2018, funds were not always available to pay my bills in full/on time, explained the situation, closed account and asked for the final bill and to get the FINAL amount owed for the Cable Service ( Internet, TV, phone service ). 

Promised to pay {$50.00} dollars per month to original creditor, but to no avail, it was sent to this collection agency Diversified Consultants and it has been a nightmare ever since, and Diversified Consultants stated that I did not keep with the previous arrangement I made with the in XX/XX/2018, and it ( the account ) will be sent back to the original Creditor XXXX/XXXX. contacted original Creditor to make a final arrangement to pay them back at the rate of {$50.00} dollars per month or more to relieve this debt. 

But they are still constantly phoning me and they placed it in collection on my credit report, as they told me that it wouldn't as I had made a previous arrangements with them to pay {$50.00} a month, and this is not so, as I received a copy of my free credit report from XXXX and it is showing in collection and am awaiting the reports from XXXX, and XXXX.
Product: Credit card

Attempted to dispute three transactions with Citi. 

Merchant advertised table top board games on XXXX and I placed three orders for 17 games total. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$62.00} It turns out company is well known fraudster ( XXXX ). This name was not associated with the original website that the games were advertised on but appeared in the billing description. Within a few days, the website that was selling the items disappeared off the web. They never sent tracking numbers or invoices. 

I immediately sent in disputes to Citi documenting how this is a known fraudster and despite this being easily verified as a scam, they have denied my dispute and the appeal. 

Merchant provided Citi with fake tracking info which does not match up with 15 board games being shipped. 

Games never arrived, I'm out {$150.00} with no recourse.
Product: Debt collection

I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Harvard Collections ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and these companies haves failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
Product: Credit reporting or other personal consumer reports

This company has reported inaccurate information.

1 ) Late payment 2 ) It is reported as a mortgage account when it's an installment account.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account open on XX/XX/XXXX amount XXXXXXXX XXXX XXXX open on XX/XX/XXXX amount XXXX I was in XXXX  when this was open
Product: Debt collection

Was contacted by company claiming I owe a debt. When I ask them please mail me, at my home address, all documents supporting this claim for my review. The company refused to do so.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Also Known As : XXXX XXXX XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and XXXX XXXX XXXX objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.
Product: Debt collection

Received a debt collection letter from monarch recovery management in amount of XXXX in XX/XX/2020. Someone using my address and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$310.00} / XX/XX/2022
Product: Checking or savings account

I opened a account up with this branch on XX/XX/2019 and XX/XX/XXXX i logged into my account and it told me to contact security dept. I called and they told me that they are permanetely closing my account due to insufficient documents and unable to verify me and they told me to go to my local branch. I drove 2 hrs to my local branch on XX/XX/2019 and spoke with XXXX and she told me to speak with someone else name XXXX XXXX. because they were unable to withdraw my funds from my account. she called security and they and stated that they needed i.d to release funds. i provided that documentation an she said they need legal documents stating my name change. I provided that and she told me that i needed to go to the social security office or the court house to get legal documents showing my name changed. I sent those documents in along time ago and they stated that it was not called for. so when i told XXXX, she stated she does not see it on file. and she also stated that if my marriage license pertained my maiden name it is not sufficient because my identification is showing my married name and that my married name is not on my marriage licenses. i told her that when you get married they will ask you for documents showing you are married and i gave it to them at the social security office and that how i got my married name. I showed all documents needed to verify i am who i say i am. all legal documents and all. They are failing to give me my funds out my account and they closed my account because i used my real name .This is a form of discrimination for closing my account for no reason even when i gave sufficient documents and they are failing to release my hard worked money.
Product: Credit card

My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX XXXX. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. Citi Bank. I have not received any letters from any Debt collector in regards to Citi Bank in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditor. Citi Bank. I feel that XXXXXXXX XXXX  XXXX is making up numbers to get more money from me.