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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt or credit management

I didnt get a chance to sign up with the service yet they charged me XXXX dollars without my knowledge and approval. They claimed my refund would process and Ive yet to receive it.
Product: Debt collection

I contacted the company they said it was something called snap finance but Ive never done business with them and at the time I had an identity frezze on my account so Im not sure how its even possible
Product: Credit reporting or other personal consumer reports

I noticed back XX/XX/2023 that XXXX was on my credit report and I call the company and I was told they didn't send that to the creditors such as Transunion, XXXX and XXXX they said I would have to contact the creditors and I did and they failed to remove it after the FTC letter was sent to them. I also noticed that XXXX was added to my credit report and it is not a credit card company I had spoken with the company and let them know that my account had been hacked and they didn't do anything to remove this from my credit reports and they have been sending threatening text messages to my cellphone saying if I don't pay the money it will be legal actions taken and that my wages will be garnish so this definitely needs to be removed because it was hacked and they know about it. I have also requested that XXXX XXXX be removed XXXX fail to remove it from my credit report after I have sent in FTC letters and proof that it wasn't my account because I didn't have service with the company because I had moved from that location so the new tenants were using services in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit.

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal of all negative items, as it is incorrect and does not reflect my true credit history. 

Creditor Name : XXXXXXXX XXXX XXXX XXXX Account Number:XXXX Creditor Name : XXXX XXXX Account Number : XXXX This last account is only on my XXXX but on no other credit agency reports. 

Creditor Name : National Credit Adjuster Account Number : XXXX
Product: Debt collection

I have received numerous emails and calls from a company claiming to be collecting a debt. They obviously have my name and telephone number. But they call to say I have a debt but I ca n't find out what it is unless I give them my SSN. They wo n't send anything via hard mail. I ran all of my credit reports and have no outstanding debts anywhere, so this is obviously a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights.

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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
Product: Credit card or prepaid card

I have a problem with two banks in this instance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX On XX/XX/2019 I went to my bank Branch, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, MN XXXX, for closing on my HELOC loan. I was to use some of the money to pay off credit card debts. When I got there, the bank and used my credit report to obtain pay off balances ( which were out of date and incorrect ) for my 5 credit cards. They had issued cashiers checks and were going to XXXX XXXX  the payments to the accounts to pay off the balances. 

One of the pays offs my XXXX XXXX XXXX account. ( XXXX XXXX, last four numbers XXXX ) XXXX XXXX issued a cashiers check for {$800.00} ( the correct pay off balance was {$780.00} ). The mailed the check to a location in XXXX XXXX California. Two weeks later, I checked on these account to see that the payments had been received. On XX/XX/XXXX, I noticed that the payment to XXXX had not been credited. I phoned XXXX and they instructed me to check with XXXX XXXX, obtain a photocopy of the pay off and proof of receipt and to fax it to them. We did that on XX/XX/XXXX. 

On XX/XX/XXXX, I phone XXXX  again because the balance continued to remain outstanding. They said they had no record of the check. On XX/XX/XXXX, I went to XXXX XXXX to attempt to solve the issue with XXXX XXXX. We phoned XXXX and was told they would " escalate '' the matter and it would be resolved in 7-10 business days. 

To date, I continue to contact XXXX Customer Service on a weekly basis, and am told exactly the same thing ... the matter has been " escalated ''. 

The cashiers check was received and deposited into XXXX XXXX account on XX/XX/XXXX. We have proof of receipt and it is endorsed. So Citibank ( who is the owner of this account ) has received the check, deposited the check, but claims they can not find it. My account is still outstanding. 

I have written to XXXX Customer Services, Phoned them 17 times, called the Executives at XXXX on 7 occasions and left messages. Written to the XXXX XXXX XXXX, and called every customer services number I can find to no avail in this matter. 

I also have attempted to resolve this matter through XXXX. XXXX. I have called over 10 times my branch, and the XXXX XXXX customer service line and each time I am told they will look into it and get back to me and they don't. 

I took out a Home Equity Line of Credit to Eliminate debt and instead I have accrued more debt. I am extremely unhappy with the customer service I have received from both banks.
Product: Credit card or prepaid card

citi card is not addressing fraud on my account 1- two unauthorized vacation packages on my credit card were not disputed despite my request to citi 2- a charge by XXXX for XXXX was not taken off my credit card despite the company cancelling the flight. 

citi says they have to go by visa regulations?????? and they are not responsive to me i called citi several times and was told a supervisor would call me and they never did.
Product: Debt collection

On XX/XX/2022 i received a correspondence from heartland resolution group in regards to an alleged debt. Heartland resolution group has violated many of my consumer rights. Exhibit A 15 USC 169 2b ( 3 ) by printing a full logo on the top of the page. Exhibit B violation 15 USC 169 2b ( 2 ) an alleged debt amount that has a positive balance. Any alleged debt that is owed should print a negative sign in front of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting to credit bureau on incorrect days. It shows it was reported on XX/XX/2023 but my date is due every month on XXXX. I paid off my credit card and when I dispute the amazing they changed the last report date to XX/XX/2023 with the owed balance. I have prof they are reporting incorrect information
Product: Student loan

Good morning I have a Navient Student Loan Account # XXXX with a new balance of {$90000.00} compounded daily at 6.800 % daily ( Direct Loan- Unsubsidized ). In XX/XX/XXXX, I called Navient for help & advise because my husband just died of XXXX. I lost my husband 's income and my student loan balance was right around {$78.00}. I graduated XX/XX/XXXX with my XXXX degree as a XXXX. 
I called and asked Navient for help ( XX/XX/XXXX ). I asked if I could reaffirm my loan and they said " NO. '' I never received any counseling on the issue. They said there was n't any other options, except Forbearance. So I had no choice. I needed to get on my feet again & pay for a funeral at that time. So I took the " one & only option. '' which was forbearance. For the last year I have accrued daily interest at 6.8 % on my loan resulting in over XXXX in loan debt. 
So three month 's ago the forbearance period was up & I started paying monthly on my student loan. My complaint is, I was n't given any other option and have accrued over {$10000.00} in interest and by balance is still increasing every month. Navient never gave any counseling or alternative & most of all they would n't help at all. 

Thank you XXXX XXXX
Product: Debt collection

Dear Portfolio Recovery Associates, Subject : Request for Account Removal Following Payment I request immediate removal of my account from your records. 

I am confirming that I paid the entire balance associated with this account on XX/XX/year>. As per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( b ), I am entitled to withdraw consent for further communications once the matter has been resolved.

Additionally, I want to draw your attention to the Fair Credit Reporting Act ( FCRA ). Under Section 623 ( a ), inaccurate information regarding accounts must be reported accurately or removed. Since the account has been settled, it no longer represents a valid obligation. 

Please take the necessary steps to remove this account from my credit report and your system. Please confirm the status of this request in writing. 

Thank you for your attention to this matter. I look forward to your prompt response. 


When the initial call was made, they requested a copy of the letter to update the account. When I called back to send the letter to the correct person, the conversation raised more questions rather than addressing the situation. The dispute arose because they had not updated the status of the account. Instead of addressing the update, they engaged in a more elusive conversation. 

Respecting Consumer Rights : Be aware of consumers ' rights under laws like the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). Violations can lead to legal action and financial penalties. 

XXXX XXXX Practices : Using tactics that involve bait-and-switch methods or presenting false urgency ( e.g., limited-time offer ) can lead to legal repercussions and damage consumer trust. When you called trying to switch the conversation to another conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an alert on my credit report today at Experian account XXXX XXXX XXXX XXXX XXXX '' Hard Inquiry on Credit Report. I never applied for any loan. Someone is misusing my SSN for applying loan from the government
Product: Student loan

I am the co-signer on my daughters student loan with Sallie Mae. Her loan payment should have been made in XX/XX/XXXX and my daughter was having trouble. She called and called ; they were rude and demanding ; not wanting to listen to her. After about 6 times calling she final was able speak with a manager. They talked on XXXX XXXX, 2016 at XXXX. and the call lasted 24 minutes. They worked out a payment plan that started on XXXX XXXX, 2016 and ends on XXXX XXXX, 2016. Then, they would reexam her finances or continue with that amount and only the date might change. I also spoke with them on XXXX XXXX, 2016 to give them my financial information. We were told that if a payment plan was set then the clock would go back to XXXX and were would not be reported. On Friday XXXX XXXX, 2016, I received a notice from the credit bureau that we was reported on all three of the loans on XXXX XXXX, 2016 and my daughters first payment was due on XXXX XXXX, 2016. If either one of us had been told that the payment needed to be made by XX/XX/XXXX it would have been paid. It seems that Sallie Mae is back doing poor business practice ( predatory practices ) and misleading their customers in order to get late fees and ruin customers credit at the same time. I ask for your assistance in not allowing Sallie Mae to get away with these forms of practices and to have them removed this from both our credit rating. Thank you for your time ; Sincerely yours.
Product: Credit reporting or other personal consumer reports

I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act which mandates credit reporting agencies to conduct a reasonable investigation.
Product: Checking or savings account

I have requested time and time again that Citibank refund my money from my closed checking account # XXXX a week ago. Each time I call, I get some other story. This time the check has to be printed and mailed out. Well that is not taking forever. When a customer 's account is closed, the check should have already been cut and mailed out. I don't know why this bank continues to hold on to customer 's money.
Product: Debt collection

A letter was sent from ERC to an old address of mine claiming I owe money for a debt to XXXX. I have never had a XXXX account and never owed them any money, nor have I ever been sent any bill by XXXX, even at this old address. So I suspect ERC or someone else is committing fraud.
Product: Student loan

My payment processor MOHELA is a mess. I signed up for auto debit over a month ago, when the return to payment communications went out. 

They didn't withdraw my payment as anticipated. When I went to pay it manually when I noticed it didn't come out a little over a week after it was supposed to withdraw, they had already tacked on next month. 

I just had to pay double what I expected to pay! They didn't hire enough people to cover the phones, so you can't get through. I used their site to re-sign up for auto debit. Hopefully it works this time. 

You shouldn't have to pay double for their mistakes and mismanagement!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX the last payment on this account is inaccurate. 

XXXX ACCOUNT NUMBER : XXXX the last payment and date of last activity is inaccurate. it has duplicate amount in the same account number with different amount. 

XXXX XXXX account number:XXXX the last payment is inaccurate and the last date reported is inaccurate, payment status is inaccurate. 

XXXX XXXX account number:XXXX date of last payment is inaccurate, date of last activity is inaccurate. 

XXXX account number:XXXX date of last activity is inaccurate, and the date of last payment is inaccurate. 

XXXX  account number:XXXX date of last payment is inaccurate and date of last activity is inaccurate XXXX account numberXXXX  date of last payment is inaccurate and date of last activity is inaccurate. payment status is inaccurate. 

XXXX XXXX XXXX date of last activity is inaccurate, payment status is inaccurate. 


if you verified that this information is accurate, please send me proof of it in order to the law. you just can verified something without proof, that is against the law and my privacy.
Product: Checking or savings account

Hello, It is hard to actually save money, to not touch it, especially in these times. That said, I have noticed that Ally Bank CONTINUES to cheat me on the interest THEY offer. I've had my online high-interest yielding savings account and their online checking and money market accounts probably since XXXX or XXXX. Way back in XXXX I first noticed that the interest that they say is compounding daily and paid out monthly continues to be short. 

How is it that I'm receiving LESS interest even though the interest is supposedly compounding daily AND I'm making deposits that increase my balance by hundreds of dollars? 

Case in point : As of XX/XX/XXXX my savings account ( high interest yielding ) which is supposedly accruing XXXX  daily in interest and is supposedly compounding daily, was credited with {XXXX} ( .15 daily x 30 days ). Between XXXX & XXXX, I made deposits that increased my balance by more than {$400.00} yet on XX/XX/XXXX my account was credited with only {XXXX} of interest. I made no withdrawals at all this YEAR, and so at no point did my balance decrease, I only made deposits. 

I called Ally on 3 different occasions to speak with them about it and I was given 3 different, senseless explanations as to why. The 3rd person I spoke to told me that my XXXX interest payment was reflective of only 28 days of interest, not 30 as was the case with my XXXX interest payment. But when I pointed out to her that my savings account clearly states that it is accruing XXXX daily and that XXXX  x 28 days would = XXXX she could NOT explain how I was only credited with {XXXX}. 

I've had this same problem with Ally bank back in XXXX and at one point, I had moved my money out of Ally and back to horrible, awful XXXX XXXX! But at some point I decided that even though I was being shorted by Ally, it was still way more interest than XXXX XXXX. 

I don't know what to do. As you all know, as it relates to interest compounding, each and every penny counts. Aren't I supposed to see ever increasing interest payments mainly because it's supposed to be compounding DAILY and I've only been depositing increasing my balance? Ally 's high-interest savings account rate has not changed in these past 3 months and it still remains at 0.50 %. I wish there was a way to make them pay me ALL of the interest that they've been shorting me since first opening my accounts. 

Thanks for reading all of this and for any help you can provide. 

Ally gave me a " case number '' XXXX about this complaint on XX/XX/XXXX. I've heard from no one at Ally since. 

Hope you can help make a permanent positive difference, XXXX XXXX
Product: Debt collection

On XX/XX/2018 I called to attempt to settle my debt with XXXX XXXX. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XX/XX/XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no cons
umer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my freelancing. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.