23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an email from Marcus by Goldman Sachs in XX/XX/XXXX, stating that my savings account has been closed. It took me three calls into their Customer Service Department to find out WHY this happened. Once I learned of the issue, I take full responsibility for why it was closed. 

However, I have called into Marcus multiple times to get my money back, starting in XX/XX/XXXX. In XX/XX/XXXX, I sent in an affidavit of identity because I had moved apartments so that they could send a check to my new address with the funds. I verified they had received that on XX/XX/XXXX and were reviewing. I was told I would receive a call. I did not receive anything. On XX/XX/XXXX, I called in again and was told that a new Work Item would have to be opened from this call, which could take 1-3 business days. I was told I would receive a call. I received nothing. On XX/XX/XXXX, I called in again. This time, I was told that it was NOT possible for a check to be dispersed, and that my notarized affidavit was a wasted effort and three weeks that I could have been following up. I paid {$4.00} for this. From the XX/XX/XXXX call, I was also told that my account was in the process of being re-opened so that the funds could be moved there. I am not sure why this process has taken XXXX months, and all I want is my funds back.
Product: Credit reporting or other personal consumer reports

It's a simple request. I'm trying to be removed from an account that belongs to my ex-wife due to the fact I am 100 % XXXX. I asked to provide them documentation and was immediately met with we can not remove you from the report as a cosigner since it's post judgement. I explained that I was XXXX and by not removing me from her loan was affecting me from getting adaptive housing for XXXX. He reiterated the same thing. This began the end of the conversation. XXXX XXXX XXXX XXXX XXXX has sold the account to a lawfirm called Kohn Law Firm S.C in XXXX Wi XXXX. This who I contacted to be removed from the account. The account holder name is XXXX XXXX who can be reached at this number XXXX.
Product: Student loan

My student loan is being serviced by Navient. Since XXXX, when I lost my job with XXXX XXXX, I was attempting to get an Income Based Repayment plan. When I was downsized from XXXX XXXX I experienced a {$30000.00} reduction in pay. I was able to get my mortgage modified to a lower interest rate through the Making Home Affordable - Modification program. However, I repeatedly requested that Navient move me into an income based repayment plan. They would not, instead they pushed me over in a forbearance. I did not need a forbearance and was not alerted as to the exact date that the forbearance began or ended. Once I was aware that I was in a forbearance, I continuously requested a income based repayment but was told I did not qualify for one. In conclusion, the forbearance ended without my knowledge, I was not making payments because I could not ascertain the amount I needed to pay and now my credit is destroyed because the record shows I have non-payment dates on my student loan accounts. Although I have sent numerous request via the credit bureaus to remove the non-payment and slow payment credit information, Navient has not. I explained to them that I was told that I was in a forbearance and did not have to make payments. At this point I do not know what to do to get this negative information removed from my credit file. Additionally, I believe this debt should have been forgiven as part of the school loan forgiveness program. Please assist me in dealing with Navient. I am an XXXX XXXX XXXXXXXX vet and have been paying these school loans since early XXXX.
Product: Debt collection

XXXX and XXXX has removed medical debt from my credit reports and I am formally requesting deletion from the third credit bureau as well. 

I am also requesting that a deletion letter be sent to the credit bureau from the furnisher for deletion from my credit report immediately. 

Please see supporting documentation with this complaint to help me expedite the deletion process.
Product: Credit reporting or other personal consumer reports

The XXXX credit card company placed a late payment on my XXXX XXXX, Experian and XXXX report. Which has my credit being reported as 30 days late. This company removed the late payment but still reported the card as being late, which is in violation of the Fair Credit Reporting Act. I'm requesting that this item be removed and deleted from my current credit report. As stated by one of their representatives " that the account is in good standing, and it should not have been reported in that manner or time ''. I'm requesting a voice recording of that conversation. It will clear my name and correct the status of which this company is reporting. That has destroyed and damaged my credit status.
Product: Mortgage

I have a fixed rate mortgage with American Portfolio Mortgage Corporation. My fixed payment including XXXX is {$800.00}. The company is claiming they paid me too much out of my escrow reimbursement and withdrew {$1300.00} out of my checking account without my authorization. I called my bank immediately and disputed the charge and had it reversed. Then the mortgage company sends me a letter saying I owe them {$1400.00} as my next monthly payment and are trying to charge me a late fee and an NSF fee. My funds were not insufficient and the payment was on auto pay and was not late. They were not authorized to take any amount other than the {$800.00} agreed upon in my mortgage contract. I feel this is fraud and bullying and I 'm not going to tolerate it. If they want to provide proof that they overpaid my escrow and a full accounting of all my loan payments and it all checks out I 'd be willing to set up a payment plan with them to pay back their error but to take out almost double of my mortgage payment would have put me in a terrible financial position.
Product: Credit card or prepaid card

Wyndham Barclay  credit card has annual anniversary bonus of  XXXX  point with fee. The fee was paid several months ago but bonus point was never given. Contacted the company multiple times without a positive answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. XXXX XXXX  notified the three credit reporting agencies that the inquiry was not mine, and all but Experian removed the inquiry from my credit report. XXXX XXXX  says that they have done all they can and that it is Experian. Experian says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint because I'm a victim of identity theft and I'm seeing information on my credit report that doesn't belong to me. My personal information is being accessed through the dark web due to data breaches at financial companies and retailers. The following account doesn't belong to me and needs to be removed from my credit report : XXXX XXXX XXXX {$640000.00}, this account is causing me harm and I've tried to request this institution to provide me with documents to show the origin of the account. I also contacted the credit bureaus by certified mail with dispute letters and a copy of an identity theft report, I have done everything I can as a consumer to get this issue addressed, however, this account is still reporting in my credit. Please help me remove this incorrect account asap.
Product: Debt collection

I spoke to security credit services today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over 7 years old which is thru whynotleasing. 

They purchased the collection account actually from XXXX XXXX which in XX/XX/XXXX XXXX XXXX  called me and harassed me about the account stating i failed to pay XXXXXXXX XXXX and they want payment i informed XXXX XXXX that there was a payment agreement that was set up thru XXXXXXXX XXXX  to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX  refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXXXXXX XXXX  Fast forward to XXXX when i called security credit services as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request. 

I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file. 

I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00}
Product: Mortgage

They took my principle only payment of {$2600.00} and split it into a normal payment of {$1200.00} and a principle only payment of {$1200.00} XXXX XXXX doesn't even add up to what I paid ) and took my regular month payment of {$1300.00} and applied it to XXXX. {$1200.00} is less than my regular payment of {$1300.00} and I have no idea how they randomly calculated {$1200.00}. Customer service was not helpful since they had to give it to another department and that department does not speak to the customer causing me to have to explain the situation over and over again after hours on hold, in total, to an intermediary.
Product: Debt collection

Brock & Scott , PLLC sent me a Notice of Foreclosure Sale dated XX/XX/XXXX that I received XX/XX/XXXX. In it claims I owe XXXX XXXX XXXX XXXX and that XXXX XXXX  XXXX is the party with full authority to negotiate. 

Brock & Scott , PLLC did not provide any proof of the alleged debt to me in response to my notice of dispute and demand for validation. The materials it provided were incomplete, inconclusive, and confusing. The materials did not identify the alleged original creditor or the the alleged current creditor. The materials were received sometime in the first week of XX/XX/XXXX. 

On XX/XX/XXXX the alleged debt was sold to two debt buyers and collection was of the alleged debt was assigned to a third party. I received this notice XX/XX/XXXX, too. 

The debt buyers confirmed the purchase of the alleged debt and XXXX confirmed it was no longer attempting to collect the alleged debt from me. Brock & Scott , PLLC has yet to confirm that it no longer has the right to collect the alleged debt from me and continues to list a scheduled foreclosure sale on its site. 

I can provide documents as needed.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX COMPASS BANK XXXX XXXX  XXXX XXXX AL XXXX XXXX XXXX COMPASS BANK Account Number : XXXX Balance : {$9700.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : COMPASS BANK I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/XXXX I the Secured party creditor sent a letter certified mail which contained a proof of contract request between the secured party and the president " XXXX XXXX '' of speed loan company making these commercial claims against me. " Without prejudice ''. If XXXX cant provide the information within 30 days they must by law remove the derogatory mark. " XXXX '' my rights are governed under this law. Now following my due dilligence I have made a report to identitytheft.gov to report the theft of this debt collector making these claims that I the good faith creditor blood and flesh owe a debt in the United States of America. Next I have come to the CFPB because by law this collector has violated my rights. Furthermore this collector was place on my credit without my written permission. 15 usc 1681b under this title and section my rights are governed. Also this collector is in vioation of 15 usc 1681n Civil liability for willful noncompliance. Which states ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I never authorized this consumer transaction and i never authorized the furnishing of this this transaction.
Product: Debt collection

I have been a victim of identity theft. I did not open a new account with this medial office and a collection agency has informed me and i see this collection agency and/or medical company on my credit report that i did not open or authorize this account. XX/XX/year>2022 Someone stole my drivers license, discover card, and other cards from me. I filed a police report regarding this theft shorty after i was experiencing fraud attempts using my name.

I also suspect this was a previous employee that worked for the same company as me, I only think this because two other co workers i know are experiencing some the same situations.
Product: Credit reporting

Dear Sir/Madam, I have requested my annual report online like I do every year. Equifax tells me I am denied my free report and has asked me to MAIL them a copy of my social security card, my XXXX and my driver 's license copy. I am 100 % confident that I have answered all my verification questions with care and correctly! It seems like they are looking for the smallest reason to deny reports to consumers. I have contacted an agent who only gave further attitude and threatened to cut communications. I have an email saying my report is ready and I have an order number form Equifax. I successfully logged in to my account but all I see is buy now buttons! Nothing is free! Equifax is not letting me see my free annual report that was granted to every US citizen by federal law ( s ). I am writing to let you know that Equifax is being very aggressive and using everything not to let me see my free report. All they do is solicit me for selling their products! They are using my email to get me to log in to buy products from them! They are not giving me my free annual credit report! 
Thank you for your help and taking time to look into this issue.
Product: Credit reporting or other personal consumer reports

Companies Involved 1. XXXX XXXX 2. XXXX 3. Experience 4. XXXX 5. XXXX 6XXXX XXXX XXXX XXXX XXXX XXXX reported my account as a charge off/ Collection of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the 3 credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current.

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and XXXX XXXX to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/XXXX.
Product: Debt collection

In XXXX my identity was stole I had many accounts fraudulently opened XXXX being a XXXX XXXX XXXX  credit card. Apparently there was XXXX in charges occurred on the card. I received no notification from this company or about this till XX/XX/XXXX when the new company XXXX Bank bought them out then I recieved a XXXX to court for garnishment. I immediately started calling XXXX calls and speaking to the legal department they advised me it was charged of in XXXX but could not give me any information on the account since the only thing I could verify was my social and birthday. None of my address or emails matched the account nor could I verify a start date or any charge bc I never had the card. So after a hour with them they advised me that the account was being cleared out and that it would be noted as fraud bc nothing matched other than my name, ssn, and birthday and they seen it was not local charges. I was told that they would contact the court and have the summons dismissed for the account again in XXXX I called and was told I had no balance and that they removed everything from the courts. I contacted my local court and the lady I spoke with took my name and said she didn't see me on the docket. Today my check was garnished 50 % ( XXXX ) I'm currently a single mom of XXXX and this is taking from my bills and my kids for a debit I didn't make and for a company that told me everything was XXXX because it was deemed fraudulent. I called the court who told me they can't do nothing. Called the bank XXXX that said they understand I was lied to but it's out of there hands to call the debit collector glassor and glassor who told.me they need 30 day at least to look into this and they couldn't give me any info bc I can't verify the account. This debit is way over 10 years for XXXX thing and something I never knew about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. XXXXA requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The payoff amount was {$97.00} short. Upstart claims that I did not turn autopay back on after the payoff amount was received, but I contend that I did. They reported the {$97.00} late to the Credit Bureaus. I asked them to remove the late payment report, but Upstart will not do so. I contend this is a glitch in their system. I paid all payments prior to this on time via autopay. I do not understand why Upstart is drawing a hard line on a {$97.00} payment given my history and given that the loan was being paid off in full. Additionally, the moment I was aware of the error I paid it immediately.
Product: Debt collection

This debt does not belong to me. I have never done business with this company