23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Apple Credit card by Goldman Sachs was restricted because I was having some trouble financially and I accidentally went over my credit limit. 

I paid the balance in full on XX/XX/2022. I originally reached out to customer service after paying this to ask about my restriction being removed and was told a review would be completed by XX/XX/2022. I heard nothing back from the company on this date and after the balance was paid in full I still was still charged {$24.00} in interest on my monthly statement for XX/XX/2022 when my balance was at {$0.00}. 

I paid the {$24.00} In interest even though I wasnt supposed to be charged interest. 

I contacted the company on XX/XX/2022 to ask about the restriction being removed and was told my account is still under review and they were working diligently to remove the restriction. 

I understand these things can take awhile so I waited patiently for another month without hearing anything back from the company. 

I reached out to customer service again on XX/XX/2022 to ask about the status of the restriction being removed. I got the same response as I did back on XX/XX/2022 Someone will contact you shortly Another month went by and I didnt hear anything so I contact the company again on XX/XX/2022. I got the same response the case has been escalated and we will work on removing your restriction At this point it has been XXXX full months that I paid off my card and had a {$0.00} balance and I need to get the restriction removed so I can use the credit card to book a car rental for a wedding because the car rental agencies do not accept debit cards for rentals. 

I called XX/XX/2022 - case is escalated and I will be contacted in 24-48 hours. 

Contacted them again XX/XX/2022 - Once I speak with a supervisor my account will be restored they gave me another XXXX hour window. 

Contacted customer service on XX/XX/2022 - Said wait by my phone I will be getting a call from supervisor in XXXX - XXXX minutes. XXXX hours later I havent received a call so I called back. Manager answered the phone and said there is no time frame but they will escalate my case. 

Contacted XX/XX/2022 - same response my case is escalated and I will receive a call back in XXXX - XXXX hours. 

Contacted XX/XX/2022 - Said they are working on removing my restriction today and will contact me back shortly. 

I still have gotten absolutely no response from Goldman Sachs and it seems like every time I contact them I get the same response acting like this is the first time Ive called them with this issue. 

They wont provide me any information other than we cant give any information but you will be contacted soon It seems like I just keep getting lied to by customer service every time I call.
Product: Debt collection

Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX XXXX XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a XXXX  XXXX XXXX situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
Product: Credit reporting

Judgement against me, which was filed illegally due to bankruptcy laws, keeps appearing on my credit report. When I try to initiate a dispute online, they tell me my public info does n't match. Not able to reach a person via telephone, they want me to mail documents proving who I am. Other credit reporting company received my dispute online with no problem, and resolved the issue.
Product: Credit card or prepaid card

I closed my AmExp credit card a couple of days ago and suddenly got an email from them today that they took my bonus miles away. I called them and was told that I was supposed to keep the credit card for at least one year. However I was never told about this requirement either when I opened the account or when I closed it. Otherwise I would have done it differently. This was a scam, trying to sign up consumers without informing them about all the fine prints. It's wrong. They should not reverse my bonus miles that were given to me several months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX  I called   XXXX   to have them remove a debt that has been reported on my account since J XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor   XXXX   could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's Office of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this debt ASAP according to Federal law.
<P/>
Account that is past this 7 year record retention is as follows :    XXXX   XXXX   XXXX   XXXX    Acct # :  XXXX **** Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and Equifax with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX
Product: Checking or savings account

Someone unknown opened a bank account in my name and address. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called bank and was told a fraud investigation was started, but I never got a complaint form to complete and mail back to bank.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks Account state collection service.inc A Private debt collection company reference number XXXX.
Product: Mortgage

I am the primary borrower on a home mortgage loan held by Nationstar/Mr. Cooper. I did a Quit Claim Deed on the mortgaged property 12 years ago but remained on the loan with the co-borrower. The property went into foreclosure last year and the co-borrower, who remains on the deed, requested a loan modification. I told Nationstar/Mr. Cooper not to process the loan modification because I didn't request it, did not agree with it and would not sign it. The co-borrower had agreed to sell the property since I did not agree to the modification. Against my directions Nationstar/Mr. Cooper processed and recorded the loan modification on XXXX-18 without my consent or signature. They removed me from the modification and executed the modification solely with the co-borrower. This is illegal because I'm on the original mortgage note and the Quit Claim Deed did not release me of the loan liability. I was not married to the co-borrower and, therefore, there was no divorce or divorce decree. A Quit Claim Deed without a divorce decree is not a valid legal instrument to remove me from the modification. I have now asked Nationstar/Mr. Cooper to deobligate me from the mortgage and they refuse to do so. They are still holding me liable for the modified loan which I did not sign or agree to. The property was supposed to have been sold by the co-borrower when the foreclosure proceedings began but the co-borrower will not sell now because they obtained the loan modification. Therefore, I am still liable for the loan and it has damaged my credit and I'm not able to obtain a new mortgage. Had Nationstar/Mr. Cooper not processed the illegal modification I would have been free of the mortgage liability when the property got sold. Nationstar/Mr. Cooper needs to deobligate me from the loan since they removed me from the loan modification without a legal right to do so. Therefore, the recorded loan modification is not legal and does not obligate me to the new loan agreement.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a payment of {$260.00} to XXXX XXXX on a website called XXXX. I was assured that I would receive the item I actually purchased. I have not recieved my item or got any reimbursement whatsoever after all this time. I want a full refund because this is unfair. I used paypal as a transaction and they wouldn't help at all.
Product: Student loan

Navient is breaking federal law on many fronts. They allege that the federal stafford subsidized loans that I have do not qualify for Cares Act relief. They allege that instead of being direct from the federal government, they are from a private bank which is not the case. The federal government holds the paper on my loans. 

They have called repeatedly at off hours violating federal communications laws. They are collecting on loans that qualify for moratorium relief. 

I have requested an audit on these loans and for them to provide copies of the original promissory notes.
Product: Debt collection

LVNV funding/Resurgent 3rd party collection agency never contacted me. I found out through checking my own credit report they posted to all three bureaus regarding a " bill '' showing I owed {$960.00} and it is in collection status. I disputed with this company as well as all 3 credit bureaus with negative results. I re disputed with the credit bureaus and now they ignore my disputes closing them within 12 hours. LVNV/Resurgent placed fake payments on this account on my credit report which I never made. They also never reported any information such as the " date of last payment '' plus many more empty spots on this acct. When I tried to validate this collection with LVNV/Resurgent they did not contact me on all occasions even when I had mailed through return receipt requested. They noted that I " opened '' this account XX/XX/2020. This is simply not true. I am on the verge of taking them to court. They never sent me anything and yet they file inaccurate and incorrect information on my credit report. Isn't this illegal? I was also advised by my attorney that the 'date of last payment '' as well as all the account details should be on the report legally and if it is not, this account must be deleted. They continue to ruin my credit reputation, re ageing this account and deceive the credit bureaus. I am sure they have done this to other people as well. Their practices are so dishonest. They could never validate this debt or tell me any information about it. They also refused to contact me after numerous letters and phone calls which I know they received because I certified the mail. They also go by several different names and I have contacted all of them. They need to stop these illegal practices. If this is true information then please validate with accurate names dates etc... 



Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Saturday morning calls ... coming from your XXXX office ... XXXX ... Sounds a bit like harassment would n't you say??? I spoke to XXXX & explained my situation. I am sitting at XXXX Hospital with my Mother. We 've been here since XXXX. I asked a couple of weeks ago for XXXX to have XXXX ( especially ) & anyone else from there to stop calling me over & over while I sit here with my XXXX Mother. I am not working right now & I do not care about anything but her!!!!!!!!!!!!!!! The harassment needs to stop it is CRUEL!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

For over a month and many hours of holding talking and transferring to a supervisor in the tax dept and ZERO help and ZERO call backs from  supervisors like XXXX and XXXX in XXXX and XXXX TX Im now at my phone hour limit on my cell XXXX which evidently a supv is not able to update but made notes about lol, and customer service has not followed thru and changed but they were communicated about so this is not the source of the issue so dont let them even try to use this  excuse. They have a delinquent bill that city of XXXX reversed interest and fees for as I had not received a prior bill. I finally got the corrected amount and that it is the same numerically as the XXXX to XXXX bill but now understanding that it is a special bill that comes out randomly ever 5 or so years. I submitted it to be paid out of my fat balanced escrow with us bank who bought my loan from the original mtg  lender and they are blowing me off. My acct number is XXXX their phone is XXXX the escrow has literally enough to pay this and likely enough or very close for bill in XXXX coming up for XXXX thats how fat the balance is. What is the worst is the careless and stale mating service during COVID when they should be helpful. This is an easy thing to fix! You have the bill you have the money this impacts me in many negative ways some too numerous to list.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX, Texas XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

in XXXX of XXXX 2 fraudulent loans were taken out in my name for 2 different XXXX XXXX XXXX XXXX  trucks. i did not buy these vehicles nor did i ever receive these vehicles. they have never been registered to me nor were the titles ever sent to me. i was told the loans originated from a company called XXXX XXXX  out of XXXX Florida. i filed a police report with the XXXX police department REPORT NUMBER XXXX. the detective confirmed that these vehicles have never been registered to me or ever registered in the state of Indiana where i reside. consumer portfolio services was contacted when i began receiving letters last fall only after whoever took these loans out stopped paying them. i was not protected by these companies, they did not confirm that it was actually me that took these loans out. I also found out by consumer portfolio services PHONE NUMBER XXXX, that the XXXX XXXX that consumer portfolio services had loaned money on was DOUBLE FINANCED AND ANOTHER BANK HOLDS INTEREST. THE OTHER LOAN COMPANY INNOVATIVE LOAN SERVICING, PHONE NUMBER XXXX, STATED THAT THEY HAD OTHER PEOPLE COMPLAINING OF THE XXXX PROBLEM. FROM XXXX XXXX AND XXXX XXXX. I also found the other XXXX XXXX for sale online at a dealership in north carolina.
Product: Credit card or prepaid card

I initially intended to pay a portion of an account balance at Bank of America with another card, but before it was processed decided to use other card. I contacted the transferring company and was told that the transfer had not and would not be processed. They processed it afterwards anyway. I believe was done so they could charge transfer fee. At any rate, because I had paid off Bank of America account with another card, Bank of America was overpaid {$800.00}. I immediately contracted them, XXXX  of XXXX  and was told the overpayment would be sent back to the paying entity. That it could not be returned to me directly in order for me to ensure the payment was sent. I then received a letter dated XX/XX/21 that indicated the money had been returned to the paying entity. When I didnt see the credit, I called Bank of America, on XX/XX/21, and was told that they tried to process return on XX/XX/21, a full week before the date of the letter telling me it had been paid, but that they could not get it to go through. They then said they had instead sent a check directly to me at my home address on XX/XX/21, even though they had previously told me that could not be sent to me. I spoke first with XXXX, and then with XXXX, a supervisor on this occasion. When I had not received the check by XX/XX/21, I called Bank of America again and was told that check was sent, but that they would put stop pay on it and instead deposit it directly to my bank account. I spoke with XXXX that time. Gave him information needed to make deposit. On XX/XX/21, after still not receiving the check that was supposedly sent, nor having amount deposited into my account, I called Bank of America again. I spoke with XXXX who told me she didnt see check being sent to me on XX/XX/21. She then tried to get a manager, as she did try to help. She was told to tell me to be patient! After over a month of trying to get back money that they should mot be holding! Then spoke with XXXX XXXX, who said he is a manger in Arizona, who said he would send to escalation department that should have answers as to what is going on within 24-48 hours. I have no reason to believe anything anyone at Bank of America says.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as addresses and inquiries below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I HAVE ALSO NEVER BEEN ASSOCIATED WITH THESE ADDRESSES LISTED BELOW AND OLD OR INACCURATE ADDRESSES FURTHER PUTS ME AT RISK FOR IDENTITY THEFT IF ANYTHING GETS MAILED THERE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.
Product: Debt collection

XXXX XXXX XX/XX/2020 {$130.00}