23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and several other companies breach my information. I am a victim of identity theft and all derogatory statements and collections need to be removed immediately. Everything needs to be removed due to all my information being exposed in brench. Dont turn my dispute into a 30 day dispute incordance with 605B.
Product: Bank account or service

I was getting ready for work this evening and was caught off guard by a notification on my phone saying that my checking and savings through Bank of America was below {$25.00}. Naturally, I frantically went to the application on my phone and looked at my account. It had somehow went negative and the entire balance of my account was on hold to be withdrawn. My next reaction was to call the bank and inquire because I had no idea what was going on, I spoke to someone on the general customer help line and instead of being helpful he keeps asking me if I am 'aware ' that my account has been overdrawn and accused me of over drafting on my account, which I clearly had not because earlier in the day my account was fine. So, in addition to having my entire balance being withdrawn I 'm negative for these alleged overdraft fees as well. He tells me to call their bank fraud hotline, which I did and the guy on the phone was only slightly more helpful he told me that the charge was a " garnishment '' and gave me some random phone number to call. At this point I 'm beyond frustrated and puzzled so I call this number not sure of who I 'm going to get on the other line, it turns out to be some sort of debt collection law firm. Of course I both call them leaving a message and send an e-mail telling them to contact me immediately. I explained the situation and how I have no idea who they are, what this is for, and that by draining my entire account I 'm left temporarily destitute. Anyhow, I did more researching and this 'garnishment ' apparently was from a credit card I stopped paying when I was XXXX years old, so this was 8 years ago. My question is what on earth do I do? Is there anything that can be done through my bank? What is my next step? I 've been doing a lot of reading and if there was a judgment made on my debt, I was n't aware of it or properly notified. If I were able to afford to pay off the debt I would have. I just graduated and have a large amount of student loans, not to mention all of my other monthly expenses. What about the statute of limitations, in my state it is 7 years and my last payment on that credit card was 8 years ago. This company is supposedly located in Missouri, XXXX XXXX XXXX and their statute of limitations in that state is 10 years. The law firm representing them is located in my city and state. Does this make a difference? What are my rights and what can I do to get myself out of this terrible situation and get my money back?
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items Iam disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made orauthorized.Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Macy 's American Express in XX/XX/2023 after receiving a letter from them dated XX/XX/2023 saying they believed there was suspicious activity in my account. And, also after receiving a bill from Macy 's American Express for charges that were not mine. 
The charges added up to {$1700.00}, were made during the period of XX/XX/2023 to XX/XX/2023 and the charges were made at Macy 's as well as other random places ( including other cities and states I haven't been to ). There are too many charges to write them all here ( 22 to be exact ). 
I contacted Macy 's several times and ended up closing my account. 
Two days ago, I received a letter from them dated XX/XX/XXXX with the results of the dispute saying they had determined I was responsible for the charges. 
I do have proof that I was not anywhere near those cities where the charges were made. I work from home and I'm sure I can have my IT person get my IP address of where I was on those days. Plus, I have been a Macy 's customer for over 20 years and I NEVER purchased anything outside of Macy 's with my Macy 's American Express. I have several other credit cards I use for personal and other expenses. This card was just for Macy 's purchases and I have not used it for over a year. 
As I write, I am on the phone with another Macy 's representative explaining the same thing and he seems to be quite helpful ; however, my credit is still being affected and I would like this resolved asap. We finalized the call and he said the representative who I initiated the dispute with made a mistake and processed as a Fraud application. That he was going to reverse the charges and take them out of my account. But that it would take approximately 3 additional months to clear. I really hope that it's resolved. He was very kind and helpful but the other representative needs to know that she made a HUGE misktake.This was very stressful to me. I take extra care to protect my credit. 
Again, THESE CHARGES ARE NOT MINE. I NEVER MADE OR AUTHORIZED THESE PURCHASES and I NEVER GAVE MY CARD INFORMATION FOR ANYONE TO USE. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I HAD A COMPLAINT XXXX AND THE ONLY TIME I GET ANYTHING ALMOST DONE IS WHEN I MAKE A COMPLAINT I HAVE HAD MANY SCHEDULED SHERIFFS SALE I HAVE ASKED THEM NOT TO DO THIS UNDER AGAIN UNDER 12 C.F.R. 1024.41 ( g ) of regulation X of Dodd Frank prohibition of foreclosure sale the BANK CAN NOT GO TO SHERIFFS SALE IF A COMPLETE APPLICATION FOR LOSS MITIGATION OPTION IS UNDER REVIEW AT LEAST 37 DAYS PRIOR TO THE SCHEDULED SALE DATE I GOT A LETTER LAST WEEK SAYING THEY HAVE EVERYTHING AND WAIT FOR THEM, I HAVE SENT THEM THE SAME THING AT LEAST 15 TIMES AND I AM NOT KIDDING THIS SHERIFFS SALE SHOULD NOT BE LISTED AND I ASKED NO MORE BE LISTED, I TOLD THEM I LOST XXXX XXXX XXXX XXXX  CANT SLEEP CAUSE PEOPLE ARE LOOKING IN MY WINDOW DRIVING BY SLOW AND EVEN KNOCKING ON MY DOOR THIS IS NOT RIGHT THEY SHOULD HAVE MODIFIED THIS A YEAR AGO THEY CAN SAY WHAT THEY WANT EVERYTIME THEY ASKED FOR SOMETHING I SENT IT RIGHT AWAY LAST ONE IS THAT MY HUSBAND DID NOT PUT HIS INITIAL BETWEEN HIS NAME HE PUT XXXX XXXX AND MORTGAGE SAYS XXXX XXXX XXXX NOW THIS TOOK THEM 2 YEARS TO NOTICE THAT I DONT WANT TO LOSE MY HOUSE I NEED HELP CAUSE THESE PEOPLE DONT CARE MY SUPPOSED GUY XXXX XXXX I HAVE YET TO HEAR FROM HIM AND EVERYTIME I CALL HE IS NOT THERE BUT WE CAN HELP YOU I HAVE PROOF OF EVERYTHING I SAID WHAT I SENT WHEN I SENT IT AND THE LAST LETTER STATING THEY HAVE EVERYTHING PLEASE STOP THIS STOP THEM FROM MAKING ME GO CRAZY LITTERALLY
Product: Checking or savings account

Venmo denied my request for the unauthorized access. I'm requesting to review the materials they used to determine the case. It's been over a month since my request and they still haven't provided me any materials. 

My account number is XXXX XXXX
Product: Mortgage

I am behind on my mortgage due to a major medical event. 

I am now better and earning plenty of money XXXX bank verified XXXX to pay my mortgage and I have the ability to gather a large lump sum payment to reset my mortgage. 

My mortgage is held by Pennymac. I have tried XXXX, Making Home Affrodable, Lawyers, and Direct negotiations with Pennymac to arrive at a deal that resets the mortgage. 

On many instances on the phone with Pennymac I am told of offers to reset my mortgage XXXX was for XXXX another for XXXX and another was for XXXX cash payment. The XXXX XXXX was first I was told a " package '' would arrive in the mail and that it would detail this deal. 

So I spoke to relatives collected the OK that they would help. Everyone combined would be the XXXX. 

My next call to Pennymac the person knew nothing about the XXXX deal. But I had it via email from their underwriter that such a deal was possible. 

I then spoke to a supervisor there named XXXX and was told with XXXX or XXXX the loan could be reset but that I needed to submit an appeal to my recently rejected XXXX application so that he could open the files. 

I sent in the appeal letter. 

The following call that deal was off the table. I asked for a supervisor got noplace. 

So I called the XXXX line and then had a conference call with XXXX and Pennymac. The result of this was the XXXX deal was in notes but that funds needed to be seen by Pennymac in XXXX of my bank accounts prior even discussing a deal. 

My response was how can I get folks to contribute to something you are not documenting? How is it harmful for you to state what you would do if I give you that money? They will not document nor commit to a deal for cash without the cash inplace for them to take. 

Needless to say I find this troubling and shady. 

What I want to do is avoid bankruptcy and the damage that does by making a LARGE lump sum payment and using my verified income to make monthly payments. 

Pennymac rejects me for inhouse financing and XXXX. Inhouse because I am in foreclosure. XXXX because I make too much money and the house has too much equity. 

I feel that the constant changing of deals, conditions of deals, statement of possible deals that vaporize the following call, inability to refinance with another bank because Pennymac has me in foreclosure, etc ... all make bankruptcy inevitable. 

Bankruptcy repayments on mortgages are within 60 months so that is a massive compression of debt despite my willingness to pay large sums. 

The entire process and changing landscape of deals has been very stressful and in my opinion nobody should be able to constantly change deals. I ca n't do it in my business and they certainly should no be allowed to when peoples homes are in the balance.
Product: Credit reporting or other personal consumer reports

capital one XXXXXX/XX/XXXX collection agency XXXX XXXX XXXX XXXX. 
card and statements were being sent to XXXX XXXX XX/XX/XXXXXXXX this address has opened multiple cards in my name. 
this is not my address the company would not provide statements online to show what card was used for because account is under investigation
Product: Credit reporting or other personal consumer reports

A late payment shows on my report for XX/XX/2024. I've tried to have this removed by the creditor who reported this to the bureaus. This late payment is not accurately reporting and was not applied to the report under legal jurisdiction. It has affected my report and also affects me from receiving future loans, and getting the best interest rates available. I've never had a late payment with Discover Bank or any other company in all of my 26 years of having credit. For 26 yrs payments have been made on time, and this is disheartening to see me being taken advantage of after doing the correct thing for so many years. The balance of this account is {$1900.00}. Monthly payment is {$61.00}. This mistake is costing me thousands right now because I am unable to receive a school loan for my daughters college tuition from lenders. I have currently been denied by 2 of the top lenders already. Only utilizing 52 % of my total credit limit. There's also unauthorized inquiries from XXXX  XXXX XXXX and XXXX. This needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Product: Debt collection

I have paid the debt, and you keep sending this letter to me. The phone number on the letter and the website is not working as well.
Product: Debt collection

I received a call from XXXX Arbitration telling me if I do n't pay a debt I owe to XXXX, They will put me in jail from fraud.XXXX I do have a debt with XXXX but the collection agency it is with is call United Debt Holdings not XXXX XXXX XXXX XXXX I never used any of my family members as references when I applied for the loan. I never had my bothers phone number until recently and they called him. XXXX ) I told them by law they are required to give me written documentation and the lady said she does n't have to give me anything. 
I am very frustrated because I have been scammed before and lost lot of money for this type of thing. I do n't want to be scammed again. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my Transunion credit report. The report contained 3 separate inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I did not authorize. It also contained an Employer by the name of XXXX XXXX as a result of one of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
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
Product: Credit card

I opened an account in XXXX  for the Discover IT student card. Discover stated that they requested documents from me which I never received a letter in the mail in regards to. The forcefully closed my account with any notification or warning of closing the account. This now lingers on my credit report as a closed account
Product: Debt collection

This is a formal complaint against Transworld System Inc located in XXXX XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld System Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

To whom it may concern, Navient/XXXX XXXX have been servicing my student loans for many years. Beginning in XX/XX/XXXX/XX/XX/XXXX - I began my college career and did so with the help of student loans. My grandmother, who was a XXXX, co-signed a student loan for my sophomore year tuition, a $ XXXX loan disbursed XX/XX/XXXX. This same loan now has a current balance of $ XXXX some 15 + years later. My loans are in good standing and have been on autopay for some time. Throughout the life of my student loans, I have repaid well over $ 60K. <P/>What 's troubling is that through various points throughout, status of these burdensome and variable rate loans have had an impact on my financial viability and credit reporting. I am in active contact with my United States Senator 's staff regarding this topic and suitable actions moving forward. I feel misled and boxed in to endless monthly automatic payments with no end in sight. <P/>My pursuit was XXXX XXXX initially with my career, studying XXXX XXXX and then XXXX XXXX. I have spent much time in the XXXX XXXX however, post-XX/XX/XXXX financial crash, XXXX XXXX XXXX jobs became very difficult to obtain and hold. As an example, working for a XXXX in CT beginning in XX/XX/XXXX, my position each year had an evolving status of full-time, part-time, and then finally position eliminated due to budget in XX/XX/XXXX. <P/>I am looking for thoughtful and compassionate solutions that will ultimately lead to much forgiveness on the remaining loans at hand.
Product: Credit card

I have been a Discover credit card holder since 2007. During my entire membership with Discover, I was never late with payments, and always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a month ago, without any notice in advance, Discover closed my account and thereby wiped out my existing cashback rewards of {$300.00}. I contacted the company and demanded for an explanation. However, the only reason I got is " we are no longer able to meet your servicing needs '', and I was told the rewards will be mailed to me in a check. Now, after 6 weeks, I still have n't received any check from Discover regarding my rewards. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.