23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Central Credit Services just started appearing on my credit report from one day to the next. I never received a notice with the right to dispute. Because I have been a victim of True Name Identity Theft, I called Central Credit Services to dispute the item appearing on my credit report. I was on hold for 20 minutes before they were able to find an account that they claim is mine. They did not have the correct address, nor do I owe any money to any company they claim I owe money to. 

The agent said on the phone that he would send me an itemized bill to show this is my account, as I told him this is not my account or bill and sending it would n't be sufficient proof that this account is mine. Furthermore, they have the incorrect address.
Product: Credit reporting

I disputed an inquirty from Ccb/Ppc with Equifax on XXXX XXXX, 2015 and was sented the results stating that the Inquiries are a factual record of file acces. I disagreed with Equifax and ask in a cerified letter dated XXXX XXXX, 2015 that they provide me with:1. Method of Verifcation2. The name and phone number of the person they talked to. 
3. Copies of any documents paper or online they used in their investigation. 
Equifax responed by senting me the same letter i received on XXXX XXXX but with a different Confirmation number. Equifax voilate my right under the FCRA section 611 ( a ) ( 7 ) and i intend to file a claim in small claims court against Equifax for this violation. I have include uploads of the return receipt from the XXXX postal service showing Equifax received my letter, copy of the results from Equifax dated XXXX XXXX 2015, a copy of my letter ask XXXX Equifax for their method of verification and whom they talked to and their phone number as well as any documents used by Equifax to validate their results and a copy of thier letter dated XXXX XXXX Equifax sent when i ask for results show how they investagated this inquirty. 
These are my rights under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 7 ).
Product: Checking or savings account

I have four high yield savings accounts open with Synchrony Bank. Those accounts were opened with the help of my daughters, who are fully authorized to help me with my finances. In the aggregate, those accounts hold {$250000.00}. I have repeatedly called Synchrony Bank with my daughter to verify my identity. I repeatedly advised the Synchrony Bank representatives that my daughters have full authority to discuss my finances with them. On XX/XX/2023, two transfers that I scheduled from two of my non-Synchrony Bank accounts into my Synchrony Bank accounts were initiated. Today, XX/XX/2023, transfers to and from my accounts were suspended without warning or explanation. I again called Synchrony Bank again with my daughter and I again verified my identity. The Synchrony Bank representative said that my accounts were under review because they could not verify my identity, even though I had answered all the security questions they asked. Then, this afternoon, Synchrony Bank suspended access to my accounts and stated that the accounts are under review and that I may not have access to my funds for up to 60 days. This is unacceptable. Synchrony Bank does not have legal authority to confiscate my own funds from me without explanation and without recourse. I will be sending a copy of this complaint to the New York Attorney General.
Product: Checking or savings account

On XX/XX/year>, without prior notification, Truist Bank closed my checking account due to s supposed fraud. XXXX XXXXXXXX, the back where the check from my client banks, has sent at least two emails stating that the Hold Harmless letter does NOT apply to the check written to me and Truist should not hold my monies. Truist has wrongfully closed my account, taken money from the account and alerted the XXXX all in error. Despite many many calls from the XXXX XXXX customer and emails, Truist will not correct their error. XXXX XXXX, VP with XXXX XXXXXXXX XXXX XXXXXXXX XXXX has tried to help. His contact information is XXXX regarding Case number XXXX. XXXX XXXX at XXXX of Truist Bank states that she is the highest level employee handling this claim and she will not do anything unless and until XXXX XXXXXXXX sends them {$1000.00}, which XXXX XXXX states does not have to happen.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.
Product: Debt collection

National recovery agency put a collections account on my credit report for {$5600.00} This is fraud it is not my account I have disputed with the Credit bureau
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX  -- Opened on XXXX Account Name : XXXX  XXXX # XXXX -- Opened on XXXXXX/XX/year>
Product: Debt collection

Over the past several months, a company identifying itself as Harris & Harris, of XXXX, IL, has been calling me repeatedly, sometimes twice a day, leaving messages indicating I need to call them about a debt. I have called them back on at least 5 occasions to determine the nature of the calls, and they always say they have no record of my number, or my name, and they will immediately remove me from any further action by them. The very next day, or sometimes that same day, I'll get another call with the same message on my voicemail. This is harassment, and i have requested they cease calling me, but they have not acted on my requests.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XXXX/XXXX/2021 until this date, it's been over a month but I never received any letter or notification from your company.
Product: Student loan

I have been in repayment since XX/XX/XXXX with Navient for my college education that started in XX/XX/XXXX. Over this time I have been less than satisfied with the support of this company. 1 ) Loan 's are confusing : over the past 6 years they have changed the way I make payments and see my payment allocations ... bundling all my loans together, separating federal from private, and now they are broken down even further into many payments within each category. This makes it very difficult to know what you are paying and to where over the life of the loan. 2 ) I have high, but variable interest rates. I have been told by Navient that these interest rates never go down, but they do go up. over 13 % on some of my private loans feels like they are really setting me up for failure, and even though the libor interest rates have gone down in the past 6 years, my interest rates have only increased. 3 ) Taking out a total of $ XXXX in both private and federal loans from XXXX/Naivent, I started repayment with about a $ XXXX/month payment. Starting out in the work force in XXXX ( I was happy I even got a job ), this was very difficult to pay. I tried to lower my payments and instead of gviing me the option of an income based repayment plan, I was put into an interest only payment plan. so for 1 whole year my ( now about $ XXXX/month payment ) was only going towards interest and my principal balance was rising. 4 ) Due to the suspicion of my rising principal balance, I have called ( now ) Navient many times to try and understand not only my balance but my options. To date I have PAID just over $ XXXX to Navient ( monthly payments ranging from {$700.00} - {$1200.00} over the past 6 years ) for my $ XXXX loan, and to date have just over a $ XXXX BALANCE on my principal. One phone call with a representative told me that something did seem off, and that my principal should be about $ XXXX lower than what it was ( convo on XXXX XXXX XXXX ). This " initiated an investigation '', which concluded in no change in my principal balance. My complaint is that I feel I have been mislead, taken advantage of, and XXXX of my very HARD earned money for a $ XXXX loan I have paid almost double for already. Given the recent law suit against Navient, I realize I am not the only one. I do not believe that my college education is a given right, but there is a such thing as having integrity when administering student loans to students that are XXXX years old.
Product: Debt collection

A person called would not offer the name of the company they were calling from, they are looking for XXXX XXXX XXXX XXXX is an ex husband going on 18 + years. 
I advised that i am not sure why they would ever be reaching out to me for anything in regards to him. They made it seem like this was a case number and never represented them selves as a place to collect a debt or that the call was being recorded. 
this was a week ago and again today another call, asking if i spoke to XXXX and relayed the information i did not because we do not speak. Still would not tell me where she was calling from. But this time the number when i called it back ( was different than the previous number ) did answer as Atlantic recovery solutions when i called her number back ( the one she gave me ) she answered ARS.
Product: Mortgage

Ocwen Loan Servicing took over my XXXX XXXX. received my automatic payment from my bank, Regions for 2-yrs or so. then said I was 2-yrs in behind on my mortg. That was the begining of the nightmare. They reported false reports to the credit bureau. XXXX XXXX XXXX investigated my case to clear up my credit for refinancing my loan. XXXX XXXX XXXX caught them in a lie and they hay to contact the credit bureau to remove the false information. The loan balance was a little over XXXX. They jacked it up to over XXXX to prevent me from receiving the VA loan. To get the VA loan I had to pay the jacked up amount or miss out on the refinancing for Veterans. XXXX XXXX XXXX personnel are able to verify the hardship and ripoff tactics that my family had to endure.
Product: Debt collection

There is a federal tax lien showing up on my XXXX credit report in the amount of {$5900.00} and being reported by Lexis Nexis. I do NOT know of any such debt that I owe. There is n't any identifying information that connects this debt to me : No name, Address, Social Security number, or Date of Birth.  THIS IS NOT MY DEBT
Product: Payday loan, title loan, or personal loan

I couldn't afford the title loan anymore when my car died at XXXX. I called several times and asked them to collect the car, that I couldn't pay. XXXX at title Max in XXXX keeps calling threatening jail and told me " not to drop the soap ''. They call daily with threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

My pocketbook was stolen with my social security card, Identification and other documents of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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 Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Product: Debt collection

1. Completed a police report on XX/XX/XXXX 2. Sent a letter certified mail to IC system XX/XX/XXXX for validation of the debit and got no response 3. Active fraud alert is on file with all 3 bureau 's
Product: Credit card or prepaid card

This accounts was opened and used not by me but they are expected that they are suing me for the amount and i have try many times to dispute this account and ask for all the charges they have refused on multiple occasions and they are trying to put a judgment on me. They cant even produce my signature on the agreement that they say is mine I have asked them to validate all they can send me is the top page of the statement.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : DISCOVER BANK XXXX, XXXX XXXX XXXX and XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/23 Amount XXXX atm withdrawal at a gas station in area that I have never gone to. 
closed card and received new one. 
XX/XX/23 Amount XXXX atm withdrawal at nail salon on same block, also I never have gone to this establishment. 
XX/XX/23 Amount XXXX atm withdrawal at same gas station that I do not use Closed card again changed pin at this time. 
XX/XX/23 Amount XXXX atm withdrawal at pizza place in same block as other 3 charges. 
Closed my checking account on XX/XX/23 Bank of America is denying all claims essentially saying I gave my card to someone which I did not do. What recourse do I have? They will be withdrawing all monies from my account soon, a total of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following and attached is further proof of Capital One card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top XXXX Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 Capital One Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent Capital One payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting Capital One is not mine.
Product: Mortgage

I have escrow with my mortgage. They are required to timely pay my property taxes and home insurance. My insurance renewal was received on XX/XX/XXXX, they only made a partial payment. My policy lapses on XX/XX/XXXX. When i contacted company that they have not paid my insurance timely they advised me they will pay after my policy expires. That is a breach of contract and exposing my to risk and higher insurance costs.
Product: Credit card

Bank XXXX 's policies and procedures for verifying the caller as the card account holder are not up to industry standards. As long as the caller is calling them from the telephone number on file, and the caller provides them the XXXX account number, then they will proceed with sharing specific account details to the caller. There is no XXXX process, there is no additional verification questions that Bank XXXX XXXX XXXX to add friction and ensure they're speaking to the rightful account holder. 

They do have an optional " fraud '' status you can ask for your account to be put under, however, it only lasts for 60 days. At which time, they have confirmed that that extra-verification automatically falls off. The account holder would need to call them every 60 days to ask for those extra protections to be put back on. There is no way for an account holder to request permanent additional protections. 

With the amount of Account Takeover XXXX cases and identity theft stories increasing on a daily basis, Bank XXXX is too lax on their security measures, and people should be wary of their lack of protections.
Product: Credit reporting

my actual name on my nys id is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, new york,XXXX not XXXX XXXX XXXX XXXX, this is no XXXX XXXX XXXX XXXX or XXXX like equifax , XXXX and XXXX has it on my credit report, i have ask them to fix the issue more than once with no luck i even send a copy of my id and fax it also and email it too.
Product: Checking or savings account

Re : CFPB Case Number XXXX/Citibank Case Number XXXX XXXX : Account Number XXXX ( now closed without my knowledge ) In response to my previous message of complaint to the XXXX only after that did I receive any priority action from Citibank NA I received the following message from Citibank , N.A . Customer Service Center XXXX Citigroup XXXX, XXXX XXXX, XXXX XXXX XXXX : On XX/XX/XXXX, a XXXX XXXX XXXX account ending in XXXX was closed due to inactivity. The funds remaining in the account, US {$100.00}, were transferred to our abandoned property unit and subsequently remitted to the South Dakota Treasurer in accordance with state law. Consequently, Citibank is no longer in possession of these funds, which can only be returned by filing a claim with the Unclaimed Property Division of the South Dakota Treasurer ( UPDSDT ). For more information about making such a claim, please write to the UPDSDT at the following email address : XXXX You may also contact the UPDSDT as follows : Phone : ( XXXX ) XXXX Unclaimed Property Hotline : ( XXXX ) XXXX Website : https : //www.sdtreasurer.gov/unclaimedpropert END OF QUOTE I had visited Citibanks XXXX XXXX XXXX XXXX XX/XX/XXXX expressly to update my account address details and the bank failed to exercise this minimal responsibility. 
Citibank has handled this complaint extremely poorly. They gave me no option for replying to them by e-mail. Instead, I have to call them long distance at my great expense OR I have to rely on snail mail. I have found that ordinary mail to/from XXXX XXXX is taking an excessive amount of time to reach me in XXXX and XXXX. Totally unacceptable. 
Not only did Citibank fail to carry out the basic task of ensuring that it had my correct mailing address after my prolonged visit to their XXXX branch in XX/XX/XXXX, but it also then compounded matters by soon after introducing a hefty monthly charge of USD XXXX. This was a so-called XXXX XXXX XXXX XXXX XXXX Really? Accordingly, my balance of USD XXXX at XX/XX/XXXX was thereafter rapidly reduced to USD XXXX by the date of transfer to South Dakota in XX/XX/XXXX. 
Did Citibank offer to refund my funds? No, I was supposed to chase what little balance remained myself. 
Come on. Would anybody rational keep funds in a bank account when a charge amount of such magnitude had been introduced? Did this compel Citibank to carry out any extraordinary steps to ensure that this client would be satisfied with such an arrangement? NO! 
It defies common sense. It manifests a complete lack of customer service mentality. 
Here is what I would expect now. Not only should my balance of USD XXXX ( plus interest ) be returned to me, but I would also expect additional compensation for all the time I have had to devote to finding out what happened to my account with Citibank. Hour after hour after hour. It is beyond belief the incompetence I have witnessed from this bank. 
Thank you very much for your attention to this file and my concerns. 
Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I have been an American Express card member since XXXX  - My card was cancelled recently and their explanation was review of credit report. They did not take my payment history nor usage into consideration - just my score. With the pandemic, shopping has been limited, but that did not matter. i have used my card 3 times so far, to shop online, but that did not weigh with them either. 
i am horrified that they cancelled my good standing account for with this as reason. since i have never made late payments nor had any problem with my account. Credit scores dip and soar ... they fluctuate, but Amex does not care. I am truly horrified at this treatment after all the years I was a loyal good standing customer.
Product: Credit reporting or other personal consumer reports

I have been disputing the inaccurate information on my credit report with the CRA 's ( Transunion, XXXXXXXX XXXX XXXXXXXX ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher that the information has been modified or deleted from the consumers file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX