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

On XX/XX/XXXX XXXX by Goldman Sachs locked my account without any notice because I changed my number and update it on my online profile account. They did not call or tell me I merely found out by trying to log on my account one day to find it was locked. Then I proceeded to call to have them unlock it and was told since I no longer had access to my old account they could not verify my identity and therefore the only way to move forward with unlocking my savings account would be to mail me an affidavit that I would then have to fill out, get notarized, and mail back to them and call and figure it out from there. Fast forward to end of XXXX going into XXXX and I still have no access to my savings and Ive made multiple attempts to call customer service to find out that the paperwork and affidavit still has yet to be processed. Everytime I call customer service they say it needs 7-10 business days to process. The last time I called they said it was almost finished and need 2-3 days and I would receive a call to tell me where to go from there but after waiting 3 days I never received a call nor was left a voicemail. I called again on XX/XX/XXXX and was met with the same response that it still needed to process and to call back in 7-10 business days even though the Customer rep prior said it was almost finished and to call back in 2-3 days. I then asked to speak to a manager and was told to call back later. I have no access to my savings at all for over a month now and the company has given me no lee way to solve this in a timely manner. I still dont know when I will regain access or who I can possibly speak to get this fixed fast. I am left anxious about the money frozen in an account I have no access too and dont know when or if I will ever be able to access my money again. I am distraught about being unable to dip into my savings and have money for extra bills and was unable to access during the XXXX holiday which was devastating and affected me and my finances beyond repair.
Product: Credit reporting or other personal consumer reports

In accordance to the fair consumer credit act the list of accounts have violated my of privacy and confidentiality 15 usc 1681 XXXX Report number XXXX XXXX I have the reach out to XXXX XXXX and I have debt consolidation team working with them but they are reporting late payments on my credit report if my mind serves me correctly XXXX XXXX account number is XXXX the account number XXXX XXXX  account XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681s 2 a 1 15 usc 1681c a5
Product: Credit reporting or other personal consumer reports

I was XXXX  at the time of all transactions. 
Length of XXXX  XXXX ( XXXX yrs ) Please see supporting documents My consumer credit report has details that is the result of identity theft. I didn't give written permission or directions for identification transactions to be put on my consumer credit report. I'm asking that this information be blocked and that it be removed. My request to block isn't being made in error, and it isn't being made because I lied about a fact that is important to the request to block the identified transactions. The recognized transactions have nothing to do with any transactions I, as a consumer, have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX - XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am submitting this request to inform the credit Bureaus that I have been a victim of identity theft. According to FCRA section 605b, you are obligated to remove or eliminate these items listed in an identity theft report. Enclosed are the necessary documents to facilitate the removal of the inaccurate information from my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2021 Td Bank charged me a late fee of XXXX dollars on XXXX finacing account. The payment was not due until the XX/XX/2021. I made my payment XX/XX/2021. I called them XX/XX/2021 ask them about the fee they said it would be automatically reversed off my account. They prematurely charged me a late fee before I was late. I asked if they can remove the late off the statement because I was never late. Ask to speak to a supervisor. They hung up on me. I need to show this statement for a different kind of credit application. But not with the late fee nor a statement reversal charge because I wasn't late. Now the days that the late charges where on the statement changes my compound interest on my deferred interest. And if I don't pay this promotion off in time they will accure more interest and more money off of me due to there error.
Product: Debt collection

I checked my report and this account is on it which I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}
Product: Credit card

My credit card has payments and credits at an amount I dont understand. It also has transactions I dont know anything about and they had a transfer of 15.

When I call them they say they cant see credits then three people later they say they see on their side now. 
I believe they are trying to get me in trouble with Social Security or something. 
Please look at downloaded documents and transactions that are unexplainable. 
Thank you My new phone number is XXXX And my new email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have made many attempts to pay against my balance, but they will not make these payments available in a reasonable time frame. New account, multiple payments, large payments, etc. are the reasons I'm given for their " systems '' hold. My payments have been made through their online payment systems and using my banks online payment system. They get paid electronically each time, but want to hold my payments for 3 weeks. I've had a XXXX XXXX account with them for years, and yet they're treating things as if I've done business with them from yesterday. They do not provide any representative at any level the ability to override their system and all of their reps would have approved my requests. No reply from corporate on my complaint, either. Given my extensive payment history with the Synchrony, ability to be approved for the credit line, purchase history from Amazon, and that all recent payments have processed electronically ( and without issue ), they shouldn't treat people this way.
Product: Mortgage

On XX/XX/XXXX, Select Portfolio Servicing , Inc received requested documents such as death certificate of XXXX XXXX via email. The email dated XX/XX/XXXX to Select Portfolio Servicing , Inc included XXXX XXXX Death Certificate which is also filed with the Recorder of Deeds at the LT. Governors Office in XXXX XXXX XXXX, Adjudication ( Probate ), Order of Default of cosigner and executor of the estate and the Order vacating Default of XXXX XXXX. A letter XX/XX/XXXX was sent to my address requesting the same documents ( death certificate ) that I uploaded to Select Portfolio Servicing via email ( see attachment ). I am requesting Select Portfolio Servicing to include my mothers death certificate on file. I XXXX XXXX the sole heir that can assume and be further responsible for this loan. 

In addition, I would like to clarify Consumer Financial Protection Bureau ( CFPB ) rules adopted under the Garn-St. Germain Act which list the transfers of real property is excluded from enforcement of a contractual due on sale clause. The protected transfers include a transfer to a relative ( heir of XXXX XXXX ) resulting from the death of a borrower, since the cosigner and executor defaulted. Acquired property by this kind of transactions, I XXXXXXXX XXXX have the full complement of rights under RESPA and TILA. 

Since, I  XXXX XXXX complied within specified time frames, and you have in your possession all relevant documents that are needed to confirm that I am the person making the request, I am a protected successor. I am hereby invoking my rights to get information, request transfer the loan, dispute errors and have payments properly credited. I am requesting Select Portfolio, Inc certified me through the documents received on XX/XX/XXXX as the homeowner of the property. Since the requested documents were provided, I should be entitled to protections relating to assuming the mortgage or other loss mitigation disputing rights, monthly statements, escrow accounts, servicing transfers, and other rights afforded by TILA and RESPA as a home mortgage borrowers. 

Please note, under the new rules expand the definition of a borrower for purposes of RESPA, and consumer for purposes of TILA, to include a confirmed successor in interest. 12 C.F.R. 1024.31 ( eff. XX/XX/XXXX ). Successor in interest is defined as coextensive with transfers listed in the Garn-St. Germain Act after which a due-on-sale clause may not be exercised Select Portfolio Servicing , Inc has erred by not filing the death certificate, placing XXXX XXXX as successor of interest, not proving the requested documents to review the account of my deceased mother XXXX XXXX and provide loss mitigation options such as a loan modification or assuming the mortgage under the Garn-St. Germain Act. By copy of this notice of error, I am once again requesting that Select Portfolio Servicing, Inc provide the above listed documents and/or information and correct all errors.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are damaging to my credit score XXXX ( account number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

A company named Genesis contacted my mom looking for me as if was regarding me applying for a car and she told them I was heading to boot camp.. Prior to I had never received anything from and had never hear of them, next thing I know their on my credit and charging me late fees for a date that I was never giving information about. From my understanding they bought the loan without my knowing and made a payment plan I never made fraudulent. I am a college student that decided to go to the airforce and I don't know much about credit but I know this is fraudulent.
Product: Debt collection

This debt is not valid and the collections agency is refusing to stop collections on this invalid debt. The collections agency was contacted in XX/XX/XXXX after finding a negative item on my credit report. In my contact with them I was informed that I would need to contact the original creditor as my dispute was that the debt was not valid. The original creditor was contacted in XX/XX/XXXX and as a result the negative item was removed from my credit reports. 

The creditor, in XX/XX/XXXX, a full five months after the issue was resolved, has renewed collections attempts for this invalid debt and is now threatening negative/adverse action that will affect my credit report. 

Upon contact in XX/XX/XXXX, the credit collection agency was unwilling to resolve this issue despite being informed that this debt is invalid. The agency also refuses to make any effort to verify that this debt is not valid. The agency says that their attempt to contact the original creditor in XX/XX/XXXX by email constitutes the legal requirement of due dilligence on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Inaccurate Late Payment Reporting I am filing a formal complaint regarding the failure to correct inaccurate information concerning late payments reported on my credit report for account XXXX XXXXXXXX with XXXX. Despite multiple correction requests ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, I am protected under the CARES Act due to the XXXX pandemic, which impacted my payment ability during the period in question. 
Nature of the Complaint : FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account suggests a failure to comply with this requirement. Furthermore, 15 U.S. Code 1681XXXX mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures to consumers. The inaccurate reporting of late payments has negatively impacted my creditworthiness and caused unnecessary harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide timely statements, preventing unfair penalties against consumers. 
CARES Act Provisions and XXXX Impact : Due to the XXXX pandemic, I experienced financial difficulties which impacted my ability to make timely payments. Under the XXXX XXXX, I am eligible for accommodations, and creditors are required to report accounts with accommodations as " current '' if payments were deferred, reduced, or otherwise accommodated during the pandemic period. 
Summary of Errors on Account 30-Day Late Payments : Listed as late for XXXX, XXXX and XXXX despite the account being under a CARES Act accommodation. 
60-Day Late Payment : Listed for XXXX, which inaccurately reflects my status under XXXX accommodations. 
Account Description and Remarks : Indicate that the account was disputed and resolved by the grantor, yet XXXX and XXXX still reflect inaccuracies despite these prior disputes. 
Account Status : Listed as " Open, '' but the CARES Act accommodation should require it to reflect a " Current '' status. 
Requested Resolution : I am requesting that TransUnion immediately remove the late payment notations from my credit report in compliance with the CARES Act, accurately reflecting my on-time payment history and any XXXX accommodations. Additionally, I request written confirmation of this correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax everything they ask me to send them to show that I was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A .States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

XXXX  Card Members can receive a Free Night Award of XXXX XXXX XXXX points after a spend of {$4000.00} or more in qualifying purchases are made on the Card within 4 months of accepting this offer. 
I accepted this offer on XXXX XX/XX/XXXX, so I should have until XXXX XXXX to meet the XXXX dollars requirement, but amex told me Upon reviewing your account, I see the case that was previously submitted. It appears that as per offer terms, the spending threshold is from the offer starting date which was on XXXX until XXXX that's why the spending that was counted was until XXXX only totaling {$3700.00}. 
I spent more than XXXX dollars during the 4 month period, but they don't want to issue the free night.